Tokyo panicked as the central bank hiked its policy rate to one percent, a thirty-one-year high that sent global economists into a profound existential spiral. Meanwhile, down in Baja California Sur, local expats agreed that zero percent financing is still less important than a solid six-foot swell at Cerritos. As financial institutions tremble over monetary tightening, the only thing tightening around here is a board leash after a particularly punishing wipeout.