Both the operator, and his wife stated that they were simply idling around near their dock when a large wave came over the starboard side of the bow of the boat.  A second, even larger wave followed the first and flooded the entire bow portion of the boat causing panic.  Operator goosed the throttle in an attempt to get the bow of the boat up, however the bow dipped into the lake causing the boat to capsize / swamp.  The operator and all 5 passengers were able to use personal floatation devices to make it safely to shore. Nearby boaters assisted in getting the partially submerged 1990 mastercraft to the boat lift, where actions were taken to remove the water from the inside of the boat.
wife (weight 125 lbs.) Was seated in the front passenger seat next to the operator Operator (weight 320 lbs.) At the time of the incident.  The other passengers were seated as follows: Occupant1 (weight 85 lbs.) - middle of the bow. Occupant2 (weight 50 lbs.) - bow in front of operator. Occupant3 (weight 180 lbs.) - bow in front of front seat passenger. Occupant 4 (weight 91 lbs.) - rear seat passenger
   the total weight of persons was 851 lbs.  I believe this to be a conservative weight estimate of persons, however the craft is rated for over 1100 lbs. For persons on board. The weight of persons in the bow of the boat totaled 315 lbs, again a conservative estimate, and in my opinion caused the boat to be improperly loaded with too much weight in the bow of the boat.  Following the incident, Operator spoke with personell at a marina who advised the gas tank is located in the front of this particular make and model of boat which may have contributed to the capsizing.  They further advised him that this particular model is notorious for diving into the waves instead of riding the waves.
   i spoke with Operator on sunday, july 8, 2012, the day following the capsizing.  He was attempting to get the motor started on the boat and was unsuccessful.  Damage estimates to the boat are based on this fact and are possibly conservative, as the cost of rebuilding the engine is $4500.  The seat cushions may have to be replace as well as other equipment on the boat.  Other damage estimates ($700) were on personal articles lost from the boat including 2 cell phones, 3 pairs of shoes and 2 beach towels.

Monticello                    