"A Day on the Bay" by Joe Parsons (jmp@cyber-mall.com). The woman gets knocked overboard and is then rescued by the skipper of the craft. They are the only two on board. Since she might experience hypothermia, he undresses her and puts her into a dry sleeping bag. To share his warmth with her, he gets naked himself and climbs in with her. Eventually she expresses her gratitude to the skipper for saving her life, and then the ship's captain expresses his gratitude to her for expressing her gratitude. This is a very good story - especially for nautical people and for Baywatch fans - who will, of course, insert themselves and their favorite characters into the story line.