I stand corrected. Here is the exact reading of the Law:
# A vessel powered by more than 25 horsepower (other than a “ski craft”) may be operated by:
* A person under 16 years of age only if he or she is accompanied by a person 18 years old or older who has a valid Safe Boater Education Certificate. The accompanying person is responsible for any injury or damage caused during operation of the vessel.
* A person 16 years of age or older only if he or she has obtained a Safe Boater Education Certificate as required by the schedule below.
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