Correct answer
It should fit snugly to reduce submarining risk.
It should fit snugly, flat and untwisted. The lap section sits low across the hips rather than the abdomen; the diagonal section crosses the middle of the chest and shoulder, not under the arm or behind the back. Correct posture and a snug belt reduce the risk of sliding beneath the lap section, but do not guarantee eliminating all injury. Avoid slack and follow manufacturer instructions.
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It should remain loose so it does not restrain the body.
It should fit snugly to reduce submarining risk.
Its lap section should rest directly on the abdomen.
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