Finlay looked to see the man flailing his arms wildly in the water, a sure sign that he didn’t know how to swim. He appeared to be weighed down by a heavy jacket and plunged under the water for a moment before struggling back to the surface. Finlay cut the tiller sharply, catching a quick burst of wind in the mainsail that shoved the boat toward the stricken man. Drawing closer, she quickly dropped the sails and drifted the last few yards, steering the sailboat alongside the flailing man.

Finlay could see that he was a hefty man, with short hair and a weathered face. Despite his panicked motions, the man looked at his rescuer with penetrating eyes that showed a complete lack of fear. He turned and gave an annoyed look at the black Lab, who stood at the sailboat’s rail barking incessantly.

Finlay knew enough not to try and struggle with a drowning victim, so she scanned the deck for a boat hook. Not finding it, she quickly coiled up the sailboat’s stern line and expertly tossed it to the man. He managed to loop an arm around the rope before slipping once more underwater. With a leg braced against the gunwale, Finlay pulled on the line, heaving the deadweight toward her. A few feet off the stern, the man popped to the surface, wheezing and sputtering for air.

“ Take it easy,” Finlay assured the man in a comforting voice. “You’re going to be all right.” She pulled him closer, then tied off the line on a cleat.

The man regained his composure and pulled himself to the stern while breathing heavily.

“Can you help me aboard?” he rasped, extending an arm skyward.

Finlay instinctively reached down and grabbed the man’s thick hand. Before she could brace herself to pull, she felt herself roughly tugged toward the water. The man had gripped her wrist and flung himself backward, pushing off the sailboat’s stern with his feet. Taken off balance, the slight older woman flew over the railing and struck the water headfirst.

Elizabeth Finlay’s surprise at being pulled over the rail was surpassed by the shock of immersion in the frigid waters. She gasped at the cold, then regained her bearings and kicked to the surface. Only she couldn’t get there.

The drowning man had let go of her wrist but now gripped her about the arm above the elbow. To Finlay’s horror, she found herself being dragged deeper under the water. Only her safety harness, stretched to its full extension, kept her from descending farther into the depths. Caught in the middle of a lethal tug-of-war, she looked through a churning veil of bubbles at her underwater assailant. She was shocked to see that he had a dive regulator in his mouth spewing a stream of exhaust bubbles. Writhing to break free of his grasp, she pushed against him and felt a spongy layer beneath his clothes.