Sorry dearie...I am a busy gal during the week and I just saw your question this morning. It is nice to know that someone is playing this game besides me.Follow what Ladybug said to get out of that small cave underwater...I had a problem too until I put my smallest character in. That is a good hint for the rest of the game as well...because you will be in alot of tight squeezes.
I have played this game through 4 times and am on my 5th...and although I don't consider myself and expert...you can ask me or email me and I will try to answer the questions.
By the way, once you find all the idols...go to the library and place them accordingly and you will find the "Serpent's Book" which has exactly what Ladybug told you in it.
Write them down..because the spirit of the Naga will ask you those questions...(not in order mind you) and you better be able to answer.