A closer look

Every annoying thing roaring past your peaceful lake vacation owes its existence to a bored guy with a loan portfolio. Clayton Jacobson II was a banker with a passion for dirt biking who got tired of crashing into hard dirt. In the late 1960s, he stripped the engine out of an aluminum boat, combined it with motorcycle handlebars, and birthed the personal watercraft, single-handedly ruining tranquility for the rest of us.