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Limon and Panama are pretty darn third-world scary.  I went on ship-organized tour in Panama and felt safe enough, but we drove through some pretty nasty stuff to get there.  I've been to Tijuana, Mexico several times and have never felt scared (even in outer areas where tourists don't go) but Limon and Panama made me feel like I'd better be part of a tour where people know where I am, who I'm with, etc.  I don't know, could be I've seen too many movies but I had nightmares of getting in a cab and being delivered to guerillas in the jungles of Nicaragua or something.  In Cozumel we ended up doing a 60-minute time share presentation at the huge resort right next to the dock (locals walking around dock with blue polo shirts and clipboards- if you stand around looking like you're not sure where you're going they'll come up to you)   We quickly and politely got through it and we were allowed full use of their facilities: free snorkel gear, free lunch, one free alcoholic drink, unlimited soda, use of pool for the rest of the port time and we never paid for anything except a few more drinks.


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