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I think aside from the obvious entry points,around the deck,beckman plates,cracks,backup from the sump through the rigging tunnel and side access covers(fuel access and wireing),that the fuel in the tank is always a few degrees cooler than the air. The tank is acting like an insulated cooler and allowing the fuel to remain cool,as the day heats up water condenses and vic a versa as the eve cools. These daily cycles cause cthe condensation to accumulate and water builds up. I believe this because it gets wet under the deck without being in the water,rain or washing the boat. Just my $0.02.