Joanna, at a picnic, goes off by herself. Seeing a pond, she suddenly decides to take a dip-in nothing but her pantelettes and a scarf tried around her chest. While that is implausible enough for the period-THEN Joanna gets knocked slightly on the head in the water, goes under and almost drowns, is rescued by a handsome stranger who pulls her ashore.
Well, needless to say, that is a first in all the many romances I've read-LOL. I quit the book there.