In various manuals there are different answers: PADI is 20, NAUI is 25, and the US Navy is 30 times faster. What I find interesting is none of the three inform the reader how each of the entities came up with the number. Myth Busters, on the other hand, came up 28 times and demonstrated how it came up with the number; if only I could find the episode.
Nevertheless, don't underestimate water temperature (and water movement).
Nevertheless, don't underestimate water temperature (and water movement).