Neil, this cannot be. As Rick said, if the CB was below the CG, the boat would instantly turtle, at the slightest provocation (the state of equilibrium at rest (flat on the water, with the mast upright) would be inherently unstable). Btw. this is why we carry around the heavy keels (to move the CG down).
Btw. some newer (acrobatic) dinghies might have the CB and CG very close or inverted (especially when the crew is onboard) and are unstable at rest (they get stabilised by speed and force of the wind), but this is a completely different story. Marek
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