The eye is the anchor here, and works well. Lots of nice detail, without looking over sharpened. I do love pano crops for water fowl, but could see the bird a bit higher in the frame if the reflection quality isn't an issue below.
Ann, just a really fine capture of this Grebe. A soft feel, yet sharp and a hint of the high key feel works well.
At first I found myself looking to reduce the space above but it kind of grew on me. My preference might be to move the bird up just a tad in frame but either way you did well here.