If, while standing on a bank, you wish to spear a fish beneath the water surface in

Question:

If, while standing on a bank, you wish to spear a fish beneath the water surface in front of you, should you aim above, below, or directly at the observed fish to make a direct hit? If, instead, you zap the fish with a laser, should you aim above, below, or directly at the observed fish? Defend your answers.