She spreads out her beach blanket, turns her radio dial and adjusts the strap on her bikini top as she starts to apply lotion to her arms. The radio says it's going to be another scorcher-almost 100 degrees in the sun. She hopes to feel the cool breeze coming off the water but turns her head to spot a low flying Frisbee coming her way. She smiles. The guy retrieving it is cute-about six feet tall with dark hair and a dimple. He apologizes and retrieves the Frisbee, returning shortly to his game, but not for long. Though they do not know it yet, they are to marry in six months, start a family in eighteen, and retire happily in six hundred and twenty five-happily spending their life savings on a small house a few miles away-white picket fence, front porch, and all-even ocean view, in their midst. Cabriolet, anyone? I change the ocean and the ocean changes me.