| 1 | You only learn who has been swimming naked when the tide goes out. | |
| 2 | Wouldn't a sinking tide, when all boats are falling, still leave the yachts on top? | |
| 3 | The moon's pull on Earth raises and lowers sea levels in the form of tides. | |
| 4 | Here and there she came to a full stop, and peeped curiously into a pool, left by the retiring tide as a mirror for Pearl to see her face in. | |
| 5 | You only learn who has been swimming naked when the tide goes out and what we are witnessing at some of our largest financial institutions is an ugly sight. |