True or False: Passengers under the age of 12 must wear a PFD.

Passengers under the age of 12 must wear a personal flotation device (PFD) when on a vessel. This regulation is in place to ensure the safety of younger passengers, who may not have the same level of swimming ability or understanding of water safety as adults.

The requirement for children under this age to wear a PFD at all times while on the boat is designed to minimize the risks associated with boating accidents, such as capsizing or falling overboard. It is a proactive measure to ensure that young passengers are safeguarded, regardless of the circumstances on the water.

In contrast, the other options suggest conditions or exceptions that are not in line with the regulation. Just because a child is swimming, or if the waters are calm or rough, does not change the requirement; the law mandates the wearing of PFDs for children under 12 at all times while on a boat. This comprehensive approach helps create a safer boating environment.