Haven't been to the island yet but the extreame southern-western area looks very nice. I'm not too much into the "Americas" (sp.?) type areas, would prefer a southern Kreta type sea side village or a Kamari Santorini waterfront. I'm also looking to be able to swim year round, I'm thinking 18C would be a bit cold? I'm also thinking that some of the beaches with sea walls would hold a little higher tempertures for the winter months? I'm from America and I'm looking to retire in either S. Kreta or S. Tenerike, Tenerike seems to have more plusses such as hospitals and a more higher income in the area. I also hear there are new private clinics and hospitals in the area. Any advice would be appr.. Oh, I can meet all the income requirements and can afford to buy a nice place.