RedactedNarrative: THIS CRASH OCCURRED AS VESSEL 1 ENCOUNTERED EITHER CHOPPY CONDITIONS OR ANOTHER VESSEL'S WAKE.  IT IS BELIEVED OPERATOR 1'S FOREHEAD IMPACTED THE HANDLEBARS OF VESSEL 1, BECAME UNCONSCIOUS, AND DROWNED.  OPERATOR 1 WAS WEARING A TYPE 3 PERSONAL FLOTATION DEVICE WHICH WILL NOT TURN THE WEARER FACE-UP IN THE WATER.  OPERATOR 1 WAS STUNG BY A WASP EARLIER IN THE DAY, POSSIBLY CAUSING A MEDICAL EMERGENCY.