Gary:
Looks so much like our canvas back except for the light band on the bill.
The eye is captivating, nice overall balance of luminosity for my taste. I do tend to like slightly darker images like this.
I might consider moving him to the right in the frame a bit. You could consider cleaning up some of the smaller spots/bubbles in the water, just to simplify the image a bit.
I might be mistaken, but it looks like this image has a blue/cyan cast. I looked up some other shots of pochards, and the
light areas on them appear to be white or gray (pretty close to neutral).