Jane, I just saw your post from yesterday where you said you'd like to live in Carmel. It just so happens that my dad lives in a mansion on the beach in Carmel with his second wife. He spends his days staring out at the ocean with a large telescope and watching the whales feed on fish. Probably the only negative is that they get a lot of overcast days, being on the beach, but they occasionally do get some sun. Unfortunately, she owns the house, which her children will inherit after she passes away, and he'll have to greatly downsize when he becomes homeless.