I don't know about everyone crossing the border on I-94, but the boat/jetski part is definitely true. 99% of the time those are the group that are likely to be FIB's. Whether they drive just over an hour to Lake Geneva, 3-1/2 hours to Castle Rock, or 6+ hours to Minoqua/Woodruff, that group is pretty much all the same. I've met them on all three of those lakes and many more.:eek: You need to throw snowmobiles and ATV's in there too.;)