If a swimmer were to experience a "problem", the "problem" would be the inability to swim, for whatever reason. I would say having a life ring with a rope attached would be beneficial ... something the swimmer could support themselves on and possibly be towed towards a boat or the shore line. A throw rope helps us as we are already typically wearing a flotation device. A swimmer in distress I would suppose would not be wearing flotation. Just my $.02
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Properly worn life jackets save lives. Wear and fasten your PFD!
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