The accommodations in Central Panama range from big resorts to colorful bungalows in stunning natural surroundings. The region includes some comfortable nature lodges surrounded by rain forest, all-inclusive beach resorts where the bars stay open well past midnight, homey B&Bs, and boutique hotels in natural settings. Even in the cheapest hotels you can expect a private bathroom and air-conditioning. Although nearly all the hotels accept credit cards, some smaller places offer a discount if you pay in cash. Most hotels can book area tours for you, but tour companies will generally expect payment in cash. You can sometimes save a bundle (occasionally upward of $100) at some of the more expensive hotels and resorts by booking via their websites, especially for midweek or off-season stays.