bullets fired from an upper position (into water) will be stopped instantly.
thats wrong! the kill zone depends in the distance between the bullet entry point and the soft target (man) where the bullet enters the water. so the killzone from entry point to target should be at least 20 inches. in game the bullet seems to dissapear when hits the water surface. doesn't matter how far the target is away from entry point. only way to kill a water covered target is a headshot

very unrealistic!