Nice image, sharp on the head and nice light on him. Like the water drops coming off the bird. Having done these in Wales I appreciate how hard they are to catch just right.
Took me a minute to see this one...a bit of separation of the fish from the wing would have helped, but not a deal breaker. The bg is wonderful as is the angle of the bird toward you and all the flying droplets. A personal thing with me...your signature is nice, but I would move it more into the lower corner. Where it is currently placed, it creeps too much into the action for my taste and causes my eye to drift downward.
I love the water droplets, they really show the action off well. Techs look spot on to me, but Karl has trained his Tern better to hold the fish the right way round!
In the perfect shot, I think the fish in the bill would be separate from the far wing. However, it is still a cracker shot Lori!
I love the lower shooting angle and the angle at which the tern is flying towards you.
If you want, and I don't really mind the way it is, you could consider blending the green into the ULC and URC to make the BG more uniform.
But, that's only if you want and it bothers you. I mentioned it as some may, but for me it's fine. It's as is.