[macojoe]

Creamy color is water! You need to fix asap!

Now you say that the lower unit oil has been changed, when was the last time? Did you or they replace the washers on the fill & drain screws when you did it?

I would drain all oil, replace screw washers, and refill.

If you get more water then you have a seal gone and it will need further work.

They can persure test the unit to see were it is leaking, but that might be best left to a pro?

Start with the screw washers and oil change.

Good Luck