Canada had a spate of roll-over accidents with fish boats, primarily empty fish boats running without sufficient or no ballast. There were also a couple of cruise boats where the operators had added hot tubs to the top decks or dance boats where there was no limit to how many happy couples were allowed on the top deck... So now all commercial boats carrying passengers (not sure about cargo? Seems likely) have to pass a CSI inspection which includes stability testing. A not-new private vessel can be as bizarre as the owner wants it to be and there doesn't seem to be any prohibition or rules currently.
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