Only 20 minutes after leaving our apartment in Cavtat we were at the border to exit Croatia. Passports were handed over and we were asked for the Green Card Insurance for the bike. Being old hands at border crossings we were ready with both which were duely presented, examined, stamped, handed back and we were waved quickly through. Hardly a challenge!

Feeling pleased with ourselves we rode down the road about 500m and came to the border entrance for Montenegro. We again had to produce passports and bike registration papers. Again hardly a challenge. Feeling smug we promptly handed over the required documents only to be told by one beefy sergeant of border police that we needed to buy extra insurance as our Green Card did not cover Montenegro! What? Retracting our smug looks and following the age old rules of border crossings in not antagonising officialdom, we ate humble pie, doffed our caps, said yes Sir, no Sir, three bags full Sir and headed off to pay the little man in the small building that reeked of cigarette smells the required amount of 100 Croatian Kuna or about A$22 for 3 weeks cover even though we only needed two days worth of insurance. Wonder why we had to pay Montenegro officials in Croatian Kuna? Hmm. The whole process of crossing both passport control points including the time making the 100 Kuna 'donation' took about 35 minutes. Not too bad.

Today's ride was only a short 75 km as our destination was Kotor, a lovely lakeside town recommended to us by our daughter Stacey's brother-in-law and sister-in-law, Steve and Melissa Spilstead. Kerrie's travel friend, Delma, has also stayed there and also suggested we should visit. So visit we will!

We rode around the edges of the spectacular Bay of Kotar stopping for morning tea at a 5 star restaurant right on the water's edge. We watched the vehicular ferry crossing the bay in front of us as we sipped our coffee in the sunshine.

Our plan was to ride all the way around the Bay but on arrival in Kotar we decided instead to check into our apartment and go and explore the town. Our apartment tonight is about 600m from the middle of the town, has three bedrooms, a lovely kitchen, washing machine, free private on site parking and a spa bath - 35 Euro per night, sure can't get much better than that!

On arrival in Kotor we were amazed to find four large cruise ships visiting town. One of the ships was tied up right beside the city footpaths and a gangplank was lowered for tourists to disembark from their ship. The other ships were anchored a little further out and small tenders transported the visitors to the shore.

We knew nothing about this town before our arrival - except that it was worth a visit. We didn't know that it was a fortified town with winding streets and squares. The limestone cliffs tower above the town and the walls of the fortress zig-zag up the cliffs to a fort on the top of the hill - where else! I asked Greg if he would like to go for a walk on the walls but I got a very resounding NO after our very hot and tiresome walk around the walls in Dubrovnik yesterday. We wandered around the town, photographed the cruise ships, the hilltop fort and then settled down for a beer and an early dinner.

From our apartment right now at 6:45pm, we can hear the horns of the cruise ships recalling their passengers to the ship for departure.

Tomorrow another day, another country.