Some things will make high TC rates to instantly drop, such as getting close to land. However....
Some reefs or small islands, the kind that barely appear in your map unless you zoom in a lot, will not decrease your TC, and it may happen that you run aground in a reef or something. When the TC rate is high enough, it may even happen that you travel several miles (in split-seconds) until TC is finally lowered - so that you look around and don't even understand what the hell hapened.
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