Normally, while you might be able to see things swimming around under the surface in the bay, you wouldn’t really bother getting any photos.  The surface reflections are too strong and the detail is not great anyway.  However, as the afternoon was wearing on and the sun angle was getting quite low, I was surprised how well it was illuminating things below the surface and, because I was looking slightly down sun, the surface became almost invisible.

A turtle was swimming around, very occasionally putting its head above the water but mainly staying submerged.  With the lighting as it was, I was able to get a very clear view of it so decided to take some shots.  The water is still taking a little of the detail out but it was far better than I was expecting and the warmer light still picked out some of the color in the turtle.