I'm throwing at a hole on a crest, with a lake behind it. There's a pretty strong headwind. I throw a floating disc (a Merc as it were) over the hill out of sight. By the time I get over the hill, my disc is floating right at the edge of the lake. What probably happened was the disc landed in the water, and floated ashore. But no one saw that. The current lie at edge of the shore is certainly playable (I don't mind getting my boots wet). There was no sign indicating the lake is OB. Do I get a penalty or not?