Here's a different way of looking at the "loophole":
1) Boat has power over 25hp
2) Adult captain (with boater certificate) on board
3) Adult friend of captain, along with his 2 year old son, also on board.
4) The way the rules are currently written: 2 year old can legally take the helm, adult can not take the helm since he has no boater certificate.
I think this loophole needs to be changed.
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