The key words seem to be "physically able to observer and assist..."
Consider just how big and strong a person would have to be to be able to reach over the side of a boat, grab a 150 lb (+ or -) perhaps unconscious adult at water level, and lift the dead weight over the side into the boat. Just grabbing the person at water level means having your own weight supported at your waist by the side of the boat, not your feet.
So what does "assist" really mean?
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