derekortt:you dont take stroke and distance for a lost ball when you hit into the water.
IRL, you have the choice of dropping acc. to the rules. Here, the Cardinal Rule of effective programming applies: Thou hathet no choice! and they choose for you.
Some are penalty areas, like Congressional #10. Alas, the outcome is mixed, but S&D is at least a legal option. If they drop in the deep rough before one ot the tee boxes in KIA 17, you (and your ball reserve) are toast until shot 10, and on Congressional (11?), you may find the ball being dropped behind a tree on the outside of the pond (don't worry, both is virtual: the ball goes through and your feet won't become wet)