b. This may not be an ideal location to store life jackets in all situations. If people are thrown off the boat, the life jackets could be impossible to reach by people in the water.
Federal rules state, "No person may use a recreational boat unless each wearable PFD required is readily accessible." People are often thrown off boats unexpectedly, and a life jacket stored in a securely sealed compartment under a T-top is of no use to a person swimming outside the boat. Consider wearing the life jacket or moving it to a more accessible location in an emergency.