Mavericks Surf Contest is located just north of Half Moon Bay in Northern California. Every year surfers compete for a $50,000 first prize. Shortly after 9 this morning, monster waves came crashing in, injuring 13 people. Waves were up to 40 feet high, and spectators said they were the biggest in the history of the competition. Tragically, there was one casualty. “Mary Gram, 51, of San Rafael, appeared to have a broken or dislocated middle finger on her right hand. As she waited for medical attention, she said, “I guess I’m lucky. But I lost my iPhone.”