Well, my own hubris did me in.
I took out a small merchant, at "nighttime" (it's July, so it was twilight), in light fog, in 100 meters of water, after a stern chase. An armed tug immediately responded to the scene. I was creeping away undetected when I heard another merchant closing in. Since I had used three fish taking out the merchant, I secured from general quarters and started loading torps for the next merchant. I guess the tug heard me because soon he was dropping DCs on me, destroyed my elecs, and that was all she wrote for me.
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