F/9.0, 1/250, ISO 640.

Common Loon ( Nonbreeding adult )

Where do snowmen keep their money?

In snow banks.

Interesting Fact: Loons are like airplanes in that they need a runway for takeoff. In the case of loons, they need from 30 yards up to a quarter-mile (depending on the wind) for flapping their wings and running across the top of the water in order to gain enough speed for lift-off. ( https://www.allaboutbirds.org/guide/Common_Loon )