Depends on where I am I guess. I was up in remote Idaho once at a lake, enjoying the peace and quiet, casting knee deep with my back to the shore. Grizzly signs everywhere, so I was a bit on edge, but got lost in the moment when a huge splash sounded behind me. My heart jumped into my throat when I looked back and saw a flash of brown fur and water. Turned out to be a deer going hitting a gainer with a half twist that didn't see me. But for a moment, life was at a stand still. Took about 20 minutes for my pulse to settle back down. The deer ended up as shocked as I was and walked on water as soon as I turned around. I must've blended in pretty well with the scenery. So I guess I'd have to put bears on top of the list, although I fished with many in Alaska and wasn't too bothered by them there, but grizzlies are a bit more solitary and unpredictable here I think.