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With its huge retirement population added to the state's normal population explosion, it is not surprising that health services is a major industry. There are 2.6 million Floridians who are Medicare beneficiaries, one fifth of them in HMOs. A half million people work in health services and the industry is generally recession resistant, a reason why every city wants more health operations. The state has six veteran's hospitals: St. Petersburg, Gainesville, Lake City, Miami, Tampa, and West Palm Beach. While the end of World War II closed down dozens of small airfields and the end of the Cold War closed other facilities, there is still a large military presence in Florida. Mayport Naval Station by Jacksonville is one of the two major Atlantic naval facilities. Eglin Air Force Basein the nation's largest. MacDill Air Base in Tampa survived budget cuts and is the home of Central Command which ran Desert Storm.

Florida's retail industry is a major battleground, but with the fastest growing large state in the nation, Florida's customers will benefit from the increased competition. Old Florida names like Maas Brothers and Byrons vanish from the retail landscape as notable up scale nation firms like Lord & Taylor, Macy's, Sak's Fifth Avenue, and even Neiman Marcus enter the market. Giant malls convert downtowns into ghost towns, except in innovative small towns, like Dade City and Tarpon Springs, which have developed antique centers and rustic Floridana.

Large scale wholesale operations like Office Depot (Delray Beach), Barnes & Noble, and CompUSA have sliced the retail trade of larger cities. Florida has also become a logical area to open and develop a restaurant chain, since the days of Red Lobster. Recent additions have included: Hooters (Clearwater), Outback Steakhouse and Carabba's (Tampa), and Checkers (St. Petersburg).

The forests of North Florida might be considered old industry in Florida, but, besides the arrival of small plants, the lumber trade has changed. The big St. Joe Paper Company (1938) shifted from the days of pulpwood and corrugated boxes to a plant producing chemicals. The Buckeye Cellulose Corporation in Perry, the Burlington Hosiery Company of Green Cove Springs, and the nylon making Chemstand & American Cnamid Plant in Pensacola were examples of postwar plants in North Florida.

North Florida has emerged as a growth area for retirement communities and small developments. With a climate milder than the Carolinas.

Somewhat disappointing has been the failure of theoceanography frontier of booming as predicted in the 1960's. Florida still has one of the most notable marine science centers in the University of Miami's Institute of Marine Science and Miami also hosted the International Oceanographic Foundation.

Another important employer in Florida is the education industry, without which most of the economic diversity of the State of Florida would be impossible. Not only is education the largest employer in most counties, it is one of Florida's most serious challenges. The rise of entitlement and expenditures has reduced education's share of state revenues from 38% to 28% by 1995, causing grave concerns about Florida's ability to compete for future jobs.

Florida has laid the educational foundation with the rapid expansion of state universities in urban centers like Tampa, Miami, Jacksonville, Orlando, and Pensacola. These newer colleges have the population, but find themselves competing for programs and dollars against Florida's original schools located in less populated regions. Often neglected and misunderstood is one of the nation's most extensive community college systems, offering affordable education just one hours drive for over 90% of Florida's population.