It's definately not a widgeon. Looking at that wing, I'd have to say scaup....but your description doesn't fit.
Scaup are called bluebills for a reason. They don't have black bills....not even the hen. From your description of the bird my first inclination was drake gadwall. But that speculum definately isn't right.
My guess is Hen Ringneck.
Widgeon
Greater Scaup Hen
Lesser Scaup Pair
Hen Ringneck
Ringneck Speculum from Ducks at a Distance
