With all due respect ma'am most of us on this forum are out to kill fowl. So most of the pictures you find here are gonna be dead birds. Ducks.org has a identification chart with what you are looking for.I just heard my first Common Merganser call, four different recordings from various areas. I do not know if that is the same duck in discussion, but it was interesting. Is there a difference in a Common Merganser and a Hooded Merganser, please? I noticed a photograph of one or the other, and it had a black head and white stripe; I think it was male. Whichever one that I read about, it said that it is a secretive duck, which is of further interest. Why is it secretive?
I realize that I am being lazy, by not going back to look more. You guys should really post photographs of these various birds, whenever you mention them; alive, because it is difficult to tell much about them, when they are laying flat or hanging, after they have been shot.