Senor Capitan Ricardo,
Thanks for the advice to check the rudder.  Rudder is fine.  I got super super super lucky.  I hit 6 inch apex of submerged rock (yes my fault .damn submerged rock used to be an island!) then hung up on scag, rocked about hung for a bit, said "WTF, Oh SH@* !," ..... "Quick, pull floor board at battery to see if we are taking on water !!, somebody get life vests!".  "Wheew ! All good. No cracks or water !...  Now what do I do?" 
Threw her in reverse !! Backed off rock with a slight jolt. Probably 'cause scag was now 2 inches vs 4 !  
.....Thanks for the help a few months ago..........Replaced Port exhaust manifold this Spring....she ran great all summer...another 60 hours...at 898 now...