Answer:
No Refraction takes places
Explanation:
When light travels from one medium to another at an angle of incidence 0 degree then no refraction takes place .
It is because according to Refraction law
sini =
sinr
where
are the refractive index of medium of incidence and medium of refraction .
When i = 0 , left side of the equation becomes 0 and thus r (angle of refraction) must be zero. So No refraction takes place
The question is unclear regarding the boat's velocity. Is it 20 m/s south relative to the water, or relative to the earth? (It is a river, after all...)
There's also the possibility that the boat's velocity relative to the river is 0. Take the south direction to be negative and north to be positive, and denote by
the velocity of a body A relative to a body B. Under these conditions,

(B for boat, E for earth, W for water) so that the passenger's velocity relative to the earth is

(P for passenger)

or 10 m/s south.