Step 1. Ask man if he is drowning.
Step 2. Wait for answer.
Step 3. Throw cute baby at man.
Step 4. Instruct baby to pull man to safety.
Step 5. Dry baby.
Step 6. Receive payment from drowning man (cash only).
Step 7. Push man into water again.
Step 8. Blame the baby.
(NB: Does not work for drowning women.)