The water must be cold. It is in the low 40's just right for swimming.
She is diving into a River/Lake which is fresh water. She is not going to dive deep because it is to much of a gamble, maybe 8 feet.
She is wearing a dress but Cynthia said the diver is really dumb for diving in a skirt. She must be crazy for diving off a dock but she had to do it to save somebody.
She has to be a good swimmer.
It is summer because you wouldn't jump into the water any other time because the water would be to cold.
The water is choppy and murky but the water is moving slowly so she can see perch and algae.
She is trying to feel for the little boy she is trying to save.
She saves the little boy!