RedactedNarrative: V1 was traveling north in the banana river, into the wind, when two occupants switched places and the bow took on water. The amount of water was insurmountable eventually capsizing the vessel.
  
  The owner of the vessel said that his daughter was operating the vessel north bound on the Banana River at about 5 knots. They were headed into the wind and his wife was getting sprayed by the waves so he volunteered to switch places with her. Once the two switched the vessel bow began taking on water over the bow. The vessel eventually took on so much water that it capsized throwing all occupants into the water. Two good Sam vessel came by and helped all occupants out of the water and to shore.