What is the answer to "Reef setting" in the NYT Crossword?

The answer to the NYT Crossword clue "Reef setting" is CAY (3 letters).

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NYT

Reef setting NYT Crossword Clue

Across clue · from the July 12, 2026 puzzle

Stuck on “Reef setting” from the New York Times Crossword? Here is the verified answer:

Answer

CAY

3 letters · Across · last seen July 12, 2026