ctay...I have a good friend that made a couple of trips to Panama looking at retiring there. She loved it, but hasn't gotten all of her money straight to be able to retire yet. She did a lot of research and booked her trips through this group: http://internationalliving.com/ They specialize in information on places for Americans to retire and be able to live well. Congrats on your upcoming retirement and thanks for all your years of service to our country. Susan
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