The local point late in the arvo, not a good place to be if the sun is low and there's not a lot of water, as my fin found out
By the time I saw the reef it was too late, all I could do was run to the nose to try to unload the fin. It must have worked, because there was no other damage.
I got luck too, I was far enough forward to land on the other side of the rock where there was a little bit more water.
Looks like I'll be doing some sanding and filling tonight.