What Does Intraluminal Calcific Density In Gall Bladder On CT Scan Suggest?

Good day doctor... My ultrasound report taken last June 13, 2014 states the following: The gallbladder is partially contracted measuring 3.3 x 0.7 cm. Its wall is 0.4 cm thick. V-shaped reverbarating artiofacts are noted emanating from the wall. A high intensity echo with posterior sonic shadowing measuring 05 x 0.4 cm is also noted intraluminally. The pancreas is partially obscured by bowel gas. The imaged portion of the body measures 2.0 cm. On June 16, 2014 I had a CT Scan and the report states the following: CT images reveal enlargement of the distal pancreatic body and pancreatic tail with haziness, stranding and nodularity of the peripancreatic fat. There is also an irregular, peripherally enhancing fluid collection measuring approximately 4.7x6.9x3.0 cm superior to the pancreatic tail. The walls of the stomach adjacent to the fluid collection are mildly thickened and irregular which may be inflammatory and reactive to the adjacent fluid collection. The pancreatic head is still normal in size and the pancreatic parenchyma is homogeneous. No discrete mass lesion is noted. The pancreatic duct is not dilated. The gallbladder is not dilated and exhibits a tiny 0.3 cm intraluminal calcific density. Its walls are smooth and not thickened. Incidentally, minimal left pleural effusion with compressive atelectasis of the left lower lobe and bibasal subsegmental atelectasis or fibrosis. What does the report mean? Should I undergo surgery?