"I'd like to have some more warmth," said Barbara Inman, above, who watches her reel as she waits for a fish to bite at the Dunedin Causeway Wednesday afternoon. Originally from Indiana, the Mulberry resident said she is adjusting to fishing in Florida. Husband Tim, there with Inman and a family friend, said "it's too cold to be out here fishing. This is crazy. That's what it's all about." At left, Maria Vosilla of Palm Harbor is bundled up as she sits on a swing at Honeymoon Island. She spent some time writing in her journal before heading off to work. "Usually I read, but it's too cold to stay here that long," Vosilla said. "I don't know how those guys are doing the surfing," she said, referring to several surfers who braved chilly waters.