Increasing the η for 1 in air to 1.33 in water reduces the factor (ηeye - ηincident). Thus, (1/f) decreases. The power of the lens will decrease. Therefore, the ability to converge light decreases.
The image is formed past the Retina.
Draw a light ray diagram for a human eye submerged in water (index of refraction nw = 1.33) where the lens is unable to bring the object into focus. (see figure 3)
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