A challenge to the moral climate of the day, 'The Reef' follows the fancies of George Darrow, a young diplomat en route from London to France, intent on proposing to the widowed Anna Leath. Unsettled by Anna's reticence, Darrow drifts into an affair with Sophy Viner, a charmingly naive and impecunious young woman whose relations with Darrow and Anna's family threaten his prospects for success.