<p>Cassie Loeffler, left, clings to her cousin Brooke Clark after she stripped to her underwear to make a commiserating plunge after Clark fell off her paddle board and into the water while serving as a lifeguard for the Polar Bear Plunge. "I wasn't planning on going," Loeffler said. "But I felt bad that she fell in so I figured I couldn't let her be cold by herself."</p>

January 2, 2012