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You've probably seen the meme of the bored-looking lifeguard sitting next to a pool. It says, "If you ever feel useless just remember that someone is a lifeguard at the Olympics swimming event." Funny stuff, but hardly a joking matter. Lifeguards are stationed around the pool at every major swimming competition. That includes this week's U.S. national championships in Indianapolis, which feature Olympic champions such as Katie Ledecky and Caeleb Dressel. Everyone competing at the IU Natatorium is sure glad to have 'em. They point out that anything can happen, even to the world's best swimmers.

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A heat wave that drives you to the shore, warm water temperature that draws you to the surf and a yellow flag “for moderate rip currents� that hints at danger, but doesn’t prevent you from swimming: These conditions can prove to be a dangerous, even deadly combination, according to research by the National Weather Service.