I pissed off my instructer by refusing to be whipped.
He make a fist indicating he was about to whip and I'd shake my head. He'd insist, and I'd drop the line.
So he didn't warn me, took it REALLY tight and fast. As I was skipping over the water like a stone, I lost it. Did a couple of cartwheels, and then landed sideways. Continued to roll over the water. Ripped my shorts right off my body and I lost them.
I got a little wet after that.