3 panels, 3 tiers.

4-26.1 Closeup on Jane's feet splashing in an inch or so of water that has suddenly appeared.
JANE: ???

4-26.2 Shot of Jane from the waist up as she begins to turn to her right as she continues to look down at the water.
JANE: What the--

4-26.3 Profile shot of Jane on the left of the panel and the apparition on the right of it. Jane has just whipped her head around in confusion and is now face-to-face with the specter. Its hair is dripping wet and hiding its face. The panel borders are wobbly.
JANE: --fuck--