Name's Gary, and I'm in Deltona, halfway between Orlando and Daytona Beach. After a long absence (sold my Ruger Security-6 .357 a few years back), I just picked up a new XD-40 4", and love it! Also got a sharp Crossbreed Supertuck IWB holster (which I highly recommend). Should have my carry permit around February, if the wait time proves to be as long as the rumors. Glad to find an XD-specific board!