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You've heard of nude beaches, but how about a nude dude ranch?

A multi-million-dollar lottery winner in Florida is riling some by opening up his own. Tim Clements hit a $3.3 million jackpot in 2004, and wanted to return to the farm life he grew up in.

He and David Jennings, co-owner of the ranch, say the farm is secluded enough to be in the buff.

But they have two big problems — local zoning laws and a nudity ban in Hernando County.

Clements says they'll try to get the necessary paperwork, but if they can't get approval he'll close the CJ Ranch again to all but friends.

Though their Web site says clothing is optional, there is a caveat: Everyone "must wear pants and boots to ride the horses."