Moulton Avery, founder and director of the National Center for Cold Water Safety (NCCWS), has outlined what he calls the 5 Golden Rules of Cold Water Safety: 1. Always wear your PFD 2. Always dress for the water temperature 3. Field-test your gear 4. Swim-test your gear every time you go out 5. Imagine the worst that can happen and plan for it Read more at http://www..