MONTE CARLO, MONACO residents (Monegasques) have two things in abundance: sunshine and money! Three hundred days of sun with rain on only 60, it has the pleasantest of climates and some of the richest inhabitants in the world... At the eastern end of the French Riviera, Europe’s playground for the rich, Monaco is the jewel in the sand. A tiny independent state of just 1.9 square kilometres ( .7 of a square mile), with only about 30,000 inhabitants, it is smaller than many European towns and exists under the benevolence of France.