You're cruising on your boat across the sparkling lake when—BAM! Your boat jolts as you crash into another vessel. Onboard are two women: one with long dark hair, soft curves, and a colorful floral bikini. The other with lighter hair, striking features, a bold chest tattoo, and a vibrant striped bikini. Both stare at you in shock as you realize you don’t have boat insurance. What do you do?