I'm playing with refractivity this time. The shower glass was done with a very low refractivity (1.05) with a bump map of a tight cloud texture. I spent forever trying to get this affect by modifying the refractivity via a texture but it never worked.
The rest is standard stock poser objects. The two towels are the "hi-res square" object with a simple text texture I made in photoshop. The wall, floor, and top-rail are also standard poser objects with faily simple textures.