On January 13, 1982, when Air Florida's Flight 90 crashed on takeoff and fell into the icy waters of the Potomac River, Martin Skutnik, age 28, saw the plane go down. He stood with other spectators on the riverbank watching a woman who had survived the crash and was struggling to swim in the cold water. Skutnik plunged into the river and rescued her. He had never taken a life saving course, but he saved the woman's life. He probably did…