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Ian left much of Fort Myers Beach a flattened, unrecognizable ruin, and the Duello house saturated with seawater.

Cindy and Steve Duello had barely begun fulfilling their dream of retiring here.

“It won’t return in our lifetime,” Ms. Duello said, through tears.

“It was only 1,200 square feet, but it was our mansion,” said Ms. Duello, 68.

Therefore, in addition to the established etiquette of the code duello, veteran duelists had developed an elaborately elusive vocabulary, what we would now call the “language of deniability,” so that all participants could subsequently claim ignorance if ever brought to court.