we had sailing cruises with our 5 children every year (from age 3 up to 14), and you are right in your opinion: until reaching the age of 7 you need full time attention of a grown up responsible person. After some cruises we found out, that it was easy to find students to do this job. They can get into sailing while taking care of the small kids - they got some pocket money and were happy to join us.
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Greetings from Christian
100 Peace Fleets worldwide!