Great post and as far as the % risk you were in, regardless you were in danger. The heck with flooring it, you should have pulled up to the guys dock and tied up and ran off the dock to safety. It is a great way to meet people and almost all the lake front owners won't mind you doing it. I have been in the same spot as you several summers ago at night and without kids. It was pretty frightening for all of us but wild none the less. Always have a plan "b" for incidents like this on the lake in case you can't out run mother nature... you were lucky this time but learned a valuable lesson.
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