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If you hear thunder, it's time to get off the golf course, get out of the water, or bring the boat to shore. When there's 20 sec between flash and bang, the lightning is 4 miles away (5 sec/mi) and you should seek shelter.
If caught in the open in a lightning storm, stay away from solitary trees and poles, metal, including any you are wearing, water, and other people. Get to a ditch or low lying area and squat down until you're sure the lightning is gone. Lightning likes to strike the highest thing around; don't let it be you.