The Bay of Kotor looks like a fjord but is actually a submerged river canyon — and locals insist it is the southernmost fjord in Europe. Sail it at dawn and you will believe them.

Perast is a town with more churches than streets — sixteen of them for a few hundred residents. Anchor off the waterfront, dinghy in for dinner, and watch the lights come on across the bay. That is the whole itinerary.

Montenegrin sailors will tell you the real secret is the maestral — the afternoon breeze that arrives almost like clockwork, gives you four hours of perfect sailing, then dies at sunset. Plan your hops around it and you look like a genius.

A catamaran this size does not heel, does not roll and does not rush. Your morning coffee stays in the cup, your guests stay in a good mood, and the skipper gets to look like the calmest man in the Adriatic.