The best way to discribe the forces on the hull are LOADS & LOADS. And then more!
There is no set formula as a lot of RIB builders have found out.
A well laid up hull is one that has got a heavy gel coat first. So many builders just "colour" the hull and when it comes back in a plastic bag say that it must have been used beyond its design capability when in fact it is just a poorly built boat.
Alan P
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