I'm a bird-watcher, so I want to thank you for all the fun you've given me this morning trying to figure out that bird. Right now I have 4 bird guides stacked in front of my computer! I agree it's probably a female. But in the picture, the bill doesn't look quite the right shade. And the wings aren't as black as in my book (although birds have their own colors-they don't read books too well!). I vote for a tanager, based on the picture, but I still wonder how reliable the coloring is-it could well be a finch after all.