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maytrix said:[/i][/b]
And no matter how small a boat someone might have skippered previously or how limited their ability there's no excuse for hitting a rock as visible as mosquito rock.

I disagree. There is no excuse for hitting a submerged rock (or reef or sandbar), let alone a "rock as visible as mosquito rock." Only bad seamanship.

"$h!t happens" is not an excuse.