A few miles south of Monterey across the peninsula lies the celebrated, Clint Eastwood-famed town of Carmel-by-the-Sea, nestling amongst the tall pines and cypress trees and looking out across the Pacific. There’s no mistaking, even at first glance, that this is one seriously wealthy town, as exquisite and well presented as it is possible to imagine. Almost too perfect. The pristine, gleaming main street slopes downhill through the trees to an immaculate white sand beach where the Pacific rollers roar and rumble; on its leafy streets Carmel must surely set a world record for the number of art galleries per square mile. Every garden seems manicured and well stocked, every…