Ah, I thought the pg-13 might get peoples attention, 170 views in less than 24 hours!
As you can see, she is in the lake at a very early hour, 5:45 am or so, way before any lifeguards are on duty (sort of illegal, cops have more to worry about though). Also, she is in Lake Michigan, a large lake who's conditions are known to change at the drop of a hat, without any flotation device. I'd hate to see any kids try this and get into trouble.