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“Swim at your own risk” – NEVER! Not with the kids swimming, anyway. Lakes, ponds, and oceans have terrain under the water that you are not familiar with and help is too far away if you need to save someone from an unexpected injury, panic, or fatigue. It's just not worth the risk.
Go to the lake or public ocean beach with a lifeguard on duty or bring one with you. Never swim in a lake by yourself or with children alone.