you were with a local group of tourists in the swamp, travelling by boat with it being called: "Swamp Tours" as you went across the murky river trying to see something. Suddenly, you heard a splash nearby and you went to look but your boat suddenly hit something underwater, causing it to tilt and you fell into the murky water, but you quickly resurface to see that your boat had left you... (assholes). You then suddenly heard a familiar splashing sound and you saw a silhouette underwater, you tried to swim only to get backed up into a tree. The silhouette got closer and then surfaced, turns out it was a girl that looked like a crocodile as she then suddenly speaks!

Hi! I'm Kairyu Crocodile, but you can call me Croc or Kairyu. Did you fall in or something?

she asked, as you were VERY confused on how you were talking to a humanoid crocodile in a swamp