Hooded Merganser
birdfotos.com
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Hooded Merganser
More information
http://www.birds.cornell.edu/AllAboutBirds/BirdGuide/Hooded_Merganser.html
Map & range not to any scale nor absolute.
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Note the eye color as compared to the next lower image.
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Female.
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More than likely an Immature bird.
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Bird index page. - What's on the site page.
You may contact me at birdfotos@aol.com