I love how the surfer looks out of control while the water looks in control, unfortunately I do not see how this is "light on white", as the surfer is primarily dark.
What a terrific action shot! Love how you stopped the motion of the water. I think this photo might be better suited for a different challenge, however.
This is a great action capture, but the challenge said "the subject is predominately a "light" color". To me the subject is the guy on the surfboard and he's wearing a black wet suit.