I put the deck under the top rail. We have a j-hook liner and would need to remove the top rail for liner replacement. The kids do stand on the top rail to jump in but they are under a hundred lbs, the older kids head my warning.

I wish I used composite material for the decking, the pt planks take a beating and are beginning to show their age.

This is what it looks like...
http://www.deckplans.com/how-to-buil...l-deck#rokzoom[htb_deluxe]/0/