stuff i swatched: LATE Skinny Dipping (With Friends): Wet n Wild Mega Last 2% Milk // I would do this with one of those "special effects" top coats from Revlon....I think that's what they're called....I'd do the one that provides the pink sheen.
Start with nude base coat or a "natural" sheer coat coats). When dry use tape or free-hand white tips on each finger. After that dries, in a navy blue polish, use a nail art pen or fine-tip brush to create a clean line under the white tips. =]