Thanks for the photo Steve! Panzer's cloaca is pretty much even with the shell. So, at this point, I'm about 110% sure she is female.. give or take a percentage. A few days ago, I saw a photo of a snapper for sale that appeared to be a bit smaller than my Panzer (a hand was in the pic for size reference). The person had posted a shot of the bottom of the turtle, including the tail and it was obviously a male. The cloaca was much lower than Panzer's. Great post