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Yes, you can adjust the max drag while you have a fish on. But as Mahigeer stated, to do this, you must put the reel in freespool; which may give the fish enough slack line to throw the hook. However, what you should do is set the max drax to 1/3 of the line's rating, and never go beyond that. If you have a fish heading for structure, you can either stick with the setting, or thumb it, and risk busting the fish off, which it will likely do once it hits the structure.
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