Terry's a retired, somewhat chubby, somewhat balding old chap from Florida, who's been down here in Baños for over three weeks. He's a real character: he's teaching English to a (very good-looking) young lady who runs a tour agency in town, and you can see him hanging round her office any time during the day; while you're also guaranteed to see him sitting at the bar, chatting to some random stranger over a large Pilsener beer, if you wander past the Mocambo Bar (the one with the best music in town), any time during the evening. Always ready to strike up a conversation, and apparently here indefinitely.