RedactedNarrative: THIS CRASH COULD HAVE BEEN AVOIDED IF THE PASSENGER WOULD HAVE REMAINED SEATED WHILE TRAVELING DOWN THE LAKE AND THE DRIVER WOULD NOT HAVE WENT FROM FULL THROTTLE TO NEUTRAL CAUSING THE PASSENGER TO LOSE HER BALANCE AND GO OVER THE BOW OF THE VESSEL.  AFTER PASSENGER FELL OFF THE VESSEL, OPERATOR WENT OVER THE TOP OF PASSENGER.