The more I dig the more I find.
Bear Islander and Islander cite US Coast Guard Regs. Here is more info on flotation requirements and "level floatation."
Amount of flotation
To float the boat and 13% of persons capacity.
So the other 87% of the occupants are expendable?
Also:
Amount of flotation
To float the boat and occupants with only one end of the boat above water.
Kids everybody to the bow and HANG ON.
Now if we are talking NMMA certifications they are even stronger than Coast Guard Reg.
Ammount of flotation
To float the boat and 25% of persons capacity
Phew we can save another half of a person from going in.