"What is happening to me," Evolet asked, starting to panic as she looked down into the water below and beheld her eerie complexion. "You are becoming one with the water." "But I don't want to!" "You must. It is not for you to decide. It decides for you." This reminds me of my third novel and protagonist, Freya.
It's summer time and you're swimming with your best friends in the lake near your house. You dive in but when you come up for air, you feel the chill of winter, snow is covering the ground, and your friends are floating dead next to you.