Thanks, everyone. So, I guess the consensus is girl. I thought so, too. Esp. after looking around online at ultrasound pics, our pic looks very obviously a girl (though I guess you never know). But then I wonder why my doctor said he wasn't certain. He also wrote "XX?" on my checkup sheet under sex of baby. I guess he doesn't want to be wrong.
Regarding the finger pointer, the doctor must have added that to make things easier to spot because I didn't. So, I assume he wasn't covering potential boy parts because he had a look before adding it?
My husband still isn't entirely convinced it's a girl because the doctor didn't give us a definitive statement. Oh, and because this would be the first girl in his family in two generations.
I guess I'll wait to shout "girl!" from the rooftops until the doctor makes it official.