My answer would depend on the season. Early and late in the year I would use flies that can be fished fairly slow and have lots of inherent action. Weighted or unweighted (depending on water depth) wooly buggers and nymphs are good for panfish, and rabbit tail clousers are good for bass. Late spring through late summer would find me throwing topwater early and late in the day, and even throughout the day when overcast. Subtle flies for calm water, louder flies for rippled water. During the bright midday sun, I 'd fish deceiver and hare worm type flies in shade and along dropoffs for bass and smaller versions for panfish.