Apparently the one on the reef off Moskito happened yesterday evening. Much harder to see that reef at sunset/dusk but still a really dumb mistake when the entrance to Gorda Sound is well marked and well known.
If I had to guess it looks like they were shooting straight for Leverick and didn't realize there was a reef in the way.....
[TRIED TO INSERT A FOTO OF THE POWERCAT]
A friend posted this pic on facebook, time stamped 5:01pm. Plenty of light, esp with the flybridge. Sunset was about 6:47pm that day.