Very nice, a female I believe. I find it very interesting that a bird that spends so much of its time in the water chasing small fish and other aquatic wildlife, does not have "waterproof" or at least good "water resistant" feathers and they have to spend time drying them. One advantage for us - we can get lots of nice pics while they are doing this as they generally tend to stay still in one spot. I am curious where this one was shot.
WesternGuy