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Overview
Surfing is a beach activity available in Bliss Bay and Cahaya. It requires a minimum Fitness skill level and is limited to older life stages. Surfing raises the Fitness skill and is one of the few activities that combines physical exercise with a specific location requirement.
Requirements
Two requirements must be met before a Zoi can surf:

Fitness level 3 or higher - the Zoi needs at least level 3 in the Fitness skill. Below that, the surfboard interaction is unavailable.
Young Adult or older - children, adolescents, and teenagers cannot surf. The Zoi must be at the Young Adult life stage or later.
Locations
Surfing is only available at specific beaches:
Bliss Bay - the western coastline near Muscle Beach. Surfboards are placed along the shore and free to use.
Cahaya - the tropical island added with the Island Getaway DLC also has surfboard spots along its beaches.
Dowon does not have surfing since it is an inland city with no ocean access.
How to surf
The process is straightforward once the requirements are met:
Travel to a beach with surfboards (Bliss Bay's Muscle Beach area or Cahaya's coastline).
Find a surfboard on the sand. They're placed at fixed spots along the shore.
Click the surfboard to interact with it.
The Zoi picks up the board and walks into the water.
Practice posture and paddling. The Zoi goes through a learning animation sequence.
Begin surfing. The Zoi catches waves and balances on the board.
Surfboards at the beach are free to use. You don't need to buy one or place one through Build Mode. Just find them on the shore and interact.
Fitness skill connection
Surfing is one of several activities that raise the Fitness skill. Each surfing session contributes experience toward the next Fitness level. Since surfing requires Fitness level 3 to start, Zois need to build up their base fitness through other methods first, such as:
Gym equipment at Muscle Beach (Bliss Bay) or Harang River Park (Dowon).
Home gym equipment placed via Build Mode.
Yoga.
Reading fitness books.
Once Fitness level 3 is reached, surfing becomes another method to continue leveling the skill while enjoying the beach.
Known issues
A known glitch can cause characters to get stuck underground after a surfing session. The Zoi disappears below the map and becomes uncontrollable. To fix this:
Open the Psycat Guide (the book icon with a question mark).
Select "Emergency Rescue" from the guide menu.
The Zoi is teleported back to a safe location.
This issue has been reported by multiple players and the Emergency Rescue function in the Psycat Guide is the intended workaround while the bug is being addressed.