I just want to drive the whole coast again, from St Marks to Galveston. You mention Panama City. I was in Panama City a few years back. I was a featured speaker at a convention of bankers at the Bay Point Resort. There I was, buttoned up tight in a suit, perfectly shined alligator boots, wearing a tie that would only make a funeral director happy, and talking technical to a room full of bankers... who were pretty much all wearing golf shirts, shorts, and boat shoes or sneakers. Damn, I was envious.. But they not only listened, they asked good questions.