Hey Skip
Definately alot of bait in all the shots. The first one with the hashmark, I would say that is bait also. the ball of bait appears to have a fish above it. The brighter white spots are the fish. One thing I would suggest is going to the electronics forum and read the thread on settings. Your screen will be alot more defined with a little tuning. I will try to find the thread and post it for you.
Tim