There is so much to learn about birds. A case in point is the osprey. I have been watching some ospreys lately and so looked online for ID information about adults and juveniles. Here is what I learned - A mature osprey has chocolate brown upperparts with no wing bars, mottling or other distinguishing markings. A juvenile osprey, however, will have buff or whitish edging to the feathers that can give it a scaly look, like you see in this photo.
The osprey is sometimes called fish eagle, sea hawk, river hawk, and fish hawk.
SEE - http://birding.about.com/od/Identify-Bird-Families/ss/Osprey-Identification.htm