My 21 month old DD loves going to swimming sessions but the changing area at the pool and often the water itself isn't very warm and yesterday she was really shivering when she came out. We dressed her as quickly as we could but last night she was up all night with a temperature and a bad cough. My mum says I'm to blame for taking her swimming and thinks we shouldn't go during the winter. I feel like a terrible mum now - is she right?