@ Splashhopper: Are the fish really eating the frog, or just knocking it under the slop? If they're knocking it under the slop, it could be that you are retrieving a too fast and they're having trouble zeroing in, or it could be that they are rejecting it at very close range, and you need to try a different color. If they're really eating it, maybe you're waiting too long; a couple seconds is enough. It's also possible that, again, you're fishing too fast, and their only getting a piece of the frog, like a leg. Try slowing down your retrieve to a two-inch pull every two seconds or so.
I slowed it down like you suggested here.... and got a PB LM bass for me!
Check out my latest post ( drove 15 minutes....)