In January 1998, I was in Florida and Georgia. It was 85 degrees and humid. The dress code was polo shirts, kahki pants and penny loafers. At the last minute I was sent to NY! I didn't even have a sweater. I had no time, but a stopover in Atlanta Georgia. There in a golf pro shop, I was able to purchase a glorified windbreaker. I froze! This time, (March 1999) I was prepared!