Mike has pretty much nailed it down with all his comments but in particular the last ones.
Which brings me to comment today. When I look at the picture I see two things that stick out to me. One, it appears that the tail is sticking up at about 90 degrees. This may be just the way it was at the time or he may have a squirrel tail which is another deduction and a cause of the fluff showing to a greater degree.
Secondly, he appears to be a young Wheaten cockerel. If it were me, I\'d be watching him a lot to see how he carries that tail. If it stays up most of the time, I\'d mark him for culling.
As for the fluff - both at base of tail and showing thru the saddles - I wouldn\'t be too quick to cull for that as the more he develops the more that may disappear.
My experience with Wheatens and BWs is that they take a lot of time to mature and it may be a mistake to cull for anything other than obvious DQ\'s or serious Faults.
God Bless,