Final answer:
Chris takes approximately 1.95 seconds to hit the water.
Step-by-step explanation:
To find the time it takes for Chris to hit the water, we need to determine when his height above the water, represented by the function h(t) = -16t^2 + 21t + 20, equals zero. This happens when the equation -16t^2 + 21t + 20 = 0. We can use the quadratic formula to solve for t, which gives us two solutions: t = 1.95 seconds and t = -0.81 seconds. Since time cannot be negative in this context, the approximate time it takes for Chris to hit the water is 1.95 seconds.