This morning I took my ornithology class to our annual Fall field trip in western Golden Gate Park where we saw this juvenile (based on underpart pattern) Belted Kingfisher. This is the only species of kingfisher found in California. Their loud rattling cries usually give away their presence before they are seen.
Olympus D-550z / Nikon FieldScope 3 / 30XWA (hand-held - no adapter).