This happened to a friend who is not boat knowledgeable. The whole extended family rents a pontoon boat for a day of fun. The boat is heavily loaded with about 8 people and tons of gear. While cruising the kids decide to sit with their legs in the water at the front between the pontoons (this scares me every time I see it). It turns out most of the gear was near the front as well. Said friend decides joining the kids would be fun. Once my buddy gets to the front the weight distribution was such that basically only the driver was near the rear. The front end went under and a huge wave rolled over the deck washing everything overboard. The kids and my friend got washed out as well. The rear of the pontoon boat rose right out of the water and the engine revved like crazy. With the weight removed the whole boat slammed back down and somehow the engine got itself stopped. <br /><br />Luckily no one was hurt and the kids were rescued. Everyone started screaming because my buddy was no where to be seen. He was actually swimming around putting everything back on the boat. Lesson learned, don't let everyone be at one end of a boat.