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Question though; when I turn the tiller/rudders from straight to 45% (slowly) I still come to a complete stop? I do have the main sheeted in but the traveler out (15-20 inches if it is blowing).
15 to 20 inches is travelled out quite far. Generally we wouldn't be travelled out this far unless it's blowing at least 20mph, probably more. IMO, you should be maxed out on the downhaul before you travel out this far.
In any case, tacking with the traveller out far (anything over about 12") can be tricky. You need to have the boat up to max speed before entering the turn. Look for a flat patch of water to initiate the turn. I generally have my crew go in just before we start the tack so she can make sure she's ready to go on the jib. Timing is everything in these conditions. You need to keep the main sheeted in tight until you cross through the wind. As soon as the boat crosses head to wind, you need to dump several feet of sheet to allow the boat to continue through the turn as well as prevent capsize. Similarly, the crew needs to keep the jib backwinded until the boat crosses head to wind, then quickly release the old sheet and pull in on the new side about 75%. Once the boat begins accelerating, both skipper and crew finish sheeting in.
As far as the daggerboards, definitely keep them down. You'll never be able to tack with the boards up.
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