Risk Management Magazine

I then noticed that Jim — by far the better skier — was starting to fall behind. I yelled to see where he was, and he told me to go to the edge of the trees and wait for him there. I didn’t make it far before I heard Jim say he was having a hard time skiing. Jim is the type of guy who won’t complain unless he’s dying, so when he said he was having difficulty moving his legs, I was concerned.

In some areas of the country, snowflakes are falling, but don't use this as a reason to slow down on your winter health plan. This is a great time to join a gym, try a new class or get into a winter sport.

Within minutes, the water reached our calves. Still, never once did any of us consider what could happen next. If we had, we would have put on our life jackets, but no one even mentioned it. Just as the shore came into sight, a large wave struck the boat, causing it to capsize.