Why is a triathlete more likely to have hypothermia when wet?

A triathlete is more likely to experience hypothermia when wet due to the combination of water's conductive properties and wind exposure. When submerged or splashed with water, the body loses heat more rapidly, especially if the water is cold. Additionally, wet skin can lead to increased heat loss through evaporation, and if the athlete is exposed to wind, this effect is amplified, increasing the risk of hypothermia even in moderately cool conditions.