Re: Paying for Document
Register once for life.
Put the requirement to update addresses on the owner, not the govt. Make it an infraction to be off the dock without your registration matching your legal address. That's exactly how aircraft used to work.
How can an electronic database become overwhelmed? Pack it as full as you like.
Annual renewals are just symptomatic of government making themselves important.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.