It is right as you ask this question when you crest another of the growing waves. After you descend (quite quickly, I should note), the feeble rowboat suddenly crashes into something... hard. There's the horrid sound of a KER-CHUNK as the boat becomes stuck in something deep within the dark waters. As a glimmer of moonlight happens to peek behind a cloud upon your location you happen to see that twisted metal has become lodged in a nearby sandbank, entrapping your vessel. As you both peer over the edge you see that yet more lurks below the surface.
----Spoiler: Combined Know (Education) and Spot Hidden Roll Where Only One Must SucceedSpoiler: If the Know (Education) Roll Was SuccessfulThis strange metal appears to have the same, albeit clearly ruined and water-worn, construction as that of a ship. However, you don't recall hearing of a wreck around here for quite some time.
Spoiler: Walter ScullySomething strikes you about this realization. You feel like you might have heard of this before... but where? Something about... February?Spoiler: If the Spot Hidden Roll Was SuccessfulThere are strangely no identifying marks on the metal, and judging by the relatively small number of barnacles and general lack of deterioration, it obviously hasn't been here for very long.
Note that if you're successful in both, you would be able to open both spoilers.
You'd guess that in order to free the boat you'd have to make a Pilot (Boat) roll. Even then, it would barely be in operable condition (maybe enough to get you to the Beacon).