The Hooded Merganser male (above) has an elaborate crest, white with a black border, which can be raised high or flattened. Smaller female is more uniformly dark, with a dull yellow bill and a paler bushy crest (see below/on right).
This merganser is found over much of the East in Canada and the U.S. In breeding season it is found on rivers, woodland ponds and protected backwaters.
BarrytheBirder

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