gbogo...Costa Rica and Panama are in Central America...big difference....I agree with you 100% that you need all the amenities that you mentioned...sorry to disappoint, but gas is near 5 bucks a gallon here, and health insurance isn't much better...there is not much of a police force here to protect gringos and crime is getting worse...the people are it's greatest commodity, but the government holds them down with piss-poor wages...just my 2 cents.....on a lighter note, Latinas are hot!