The storm moves in quickly — the torrential, blinding rain, the hurricanelike winds, and the subsequent whitecaps. Although unsettling, these are usually manageable on a closed body of water and can be ridden out. It's when a fourth party is introduced that things take a turn for the worse: lightning. Suddenly, the situation changes from uncomfortable to outright dangerous. Just five minutes ago it was sunny with merely a few clouds on the horizon, but now you're in a place that no boater ever wants to be. It happens just like that.