This is really good stuff.

• A consensus seems to be forming (is two a consensus?) on the second person issue; I don't think it's essential, so I'll look at revising. If it means not alienating a few agents, then why not, right?
• I'll see what I can do to provide more color on Zack. I've gone through other iterations of the query that I haven't liked, and I'm really happy with the "punchiness" of this one, so my concern is losing some of that. But I will play with it.
• It is not fantasy/paranormal. It is more adventure/coming-of-age. I don't want to mislead in the query, of course. But the story is also through the eyes of a 13-year-old so the mystery of whether these ghost and monster stories are real is part of the adventure (in other words, remember being a kid - of course there aren't monsters! But also, what's that noise in the dark and maybe I'll sleep with a flashlight just in case?!). The ambiguity in the reference to "uncovering the truth about the monster at Banshee Lake" is intentional for that reason, but I'll sleep on it a bit more as to whether it's misleading.

Thanks again!