According to boating safety regulations, who must wear a personal flotation device (PFD) at all times while on the water?

The correct response to the question regarding who must wear a personal flotation device (PFD) at all times while on the water is that anyone under the age of 10 is required to do so. This regulation is in place to ensure the safety of younger individuals who may not possess the same level of swimming ability or awareness of water hazards as older individuals.

Children under 10 are seen as particularly vulnerable, and requiring them to wear a PFD helps mitigate the risk of drowning in the event of an accident or fall into the water. This regulation reflects a broader commitment to safety on the water, ensuring that the youngest participants are afforded the protection they need.

While other age limits mentioned in the options may also reflect good practices for safety, the specific requirement for the under-10 age group is established in boating safety laws to provide an extra layer of protection for these young individuals.