1.95. In the middle of the ocean is a yacht. Several
corpses are floating in the water nearby. (SJ)

1.95 answer: A bunch of people are on an ocean voyage in a yacht. One
afternoon, they all decide to go swimming, so they put on swimsuits and dive
off the side into the water. Unfortunately, they forget to set up a ladder
on the side of the boat, so there’s no way for them to climb back in, and
they drown.

1.95 variant answer: The same situation, except that they set out a
ladder which is just barely long enough. When they all dive into the water,
the boat, without their weight, rises in the water until the ladder is just
barely out of reach. (also from Steve Jacquot)