Salt water is 64 pounds per cubic foot. 12,500/64 =195 cubic feet of water displaced
Fresh water is 62.4 pounds per cubic foot. 12,500/62.4 = 200 cubic feet of water displaced
195 x 1.025 = 200, Steve's formula works for me....
200/41=4.878 and 195/40=4.875, close enough to 41:40....