Gidday Peter, thanks for starting a topic that I find particularly interesting, and for the compliment regarding the freelanced “Makwa,” I just hope my hat still fits my swollen head!! 
I had seen this photo back when I started researching railroad car ferries, but recently thought it would be eminently suitable for the “Who let the Bear near here?!” series.
Ann Arbour No 4 by Bear, on Flickr
It depicts the ANN ARBOR No: 4, built 1906, four tracks, 22 railroad car capacity, capsized at its slip at Manistique, Michigan, 29 May 1909, as a result of improper loading procedures. With 24 loaded ore cars to load, the switching crew had started off correctly, first loading half of one centre track, then all the other centre track, then the rest of the first centre track. The next move was to load two cars on the outside port track, then four on the outside starboard track, but instead of using idler flat cars, pushed a cut of eight ore cars on to the port track. The heavy ore cars caused the ANN ARBOR No: 4 to list, a broken coupler making it impossible for the switching crew to remove the ore cars. It took 10 minutes for the ferry to list enough so that all the ore cars came off their tracks, crashing to the port side, causing the ferry to immediately sink, lying half submerged on her port side. At least the slow motion of the capsize allowed all the crew to get off without loss of life.
Her upper starboard side hull plates were removed which allowed the wrecking tug Favorite to remove the ore cars after which the ferry was righted, then repaired, going back into service 4 months later.
In 1937 the ANN ARBOR No:4 was sold to the Michigan State Ferries, and renamed CITY of CHEBOYGAN. Sold again in 1958, her engines were removed, was renamed EDWARD H. ANDERSON in 1960*,* and used as a potato processing plant barge.
Was finally sold to be scrapped by Italian shipbreakers in 1973.
Information from “The Great Lakes Car Ferries” by George W. Hilton, and the “Great Lakes Vessel History.”
https://www.greatlakesvesselhistory.com/histories-by-name/a/ann-arbor-no-4
This comprehensive site, though about New York Harbor Rail/ Marine operations, shows how car floats should be loaded/unloaded.
http://www.trainweb.org/bedt/IndustrialLocos.html
Cheers, the Bear. 
