A lot of worms in our region serve valiantly on fish hooks. Many a nightcrawler has been cast off by my nieces and nephew, hoping that a sunfish swimming under the dock would be tempted to bite.
On the shot, I was actually hanging over the water a bit on the adjacent dock, trying to get under the bobber (where the worm would be, looking up). It didn't work with the wide angle, as I had originally hoped it would, so no water in the scene at all. My model/wife was being very patient, so I didn't want to push my luck, but next time, I think I would try to go lower and show just the water up to maybe her shoes.