This is how the Forster's Terns (and other Terns) fish - sticking their bill down under them as they fly low over the water.
With the subject in the upper left third intersection point - this met the "Rule of Thirds" for the gallery.
This is a wonderful shot. The tern is so crisp that it's hard to believe it's moving! And the ripples on the water underneath it with the reflection really make this special. So well done.