[Blarg]

It's hard to picture the surface tension of water being high enough to cause a ricochet.

I mean, how far does a bullet have to go to be completely underwater? Could the tension of the water against the bullet, once it got a foot under or something, be so high that it caused the bullet to bounce back out of the water, yet the water tension on the way out be so low as to not take the rest of the energy out of the bullet? Hmm, guess there's nothing theoretically impossible about that. I wonder how often that ever really happens. Of course, even having a bullet bounce back into your head once is one time too many.