folks who complain about their teacher – should frankly ask if that person in the classroom actually is a teacher. the water was crystal clear, no clouds in the sky and relatively little swell made for a perfect morning. you don't have to worry about spending more than what is available on your card. i don't have that kind of money to lose. it is a key ingredient in the mix, and because you control the message, it is your single most powerful voice. may the blessings of the lord answer to you every day of this new year. 