When Reef breaks his pinky toe while surfing, he gets the whole week off. Fin, on the other hand, replaces Reef as the new surf instructor for the week. When Bummer is about to fire Reef since Fin was better at the job, Fin decides to give it back. But Bummer almost fires her, that is, until she saves his life. Meanwhile, George is being humiliated by Lo in front of his crush, so he plans revenge. At the end, Reef and Fin catch a few waves.
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