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Well it depends on what kind of "boat" you are referring to. If it is a recreational boat, then it may be overloaded simply out of ignorance. In larger vessels there are formulas for vessel stability. Different oceans have different salt water content, different wave action and flow patterns. There are guidelines and regulations for the stability of vessels. Larger ships have load lines and "Plimsol" marks to guide the loading of the vessel.

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