FLOATING down the Mandovi on a "Santa Monica" cruise, Panjim blinks in the twilight and passengers lend an idle ear to the obligatory Surangini. But suddenly as the anthem of Indi-pop, Bolo Ta Ra Ra Ra, strikes up, the cruisers leap to their feet. Hands in the air, they pirouette and the legendary gusto of the Land of Five Rivers bounces off Konkani waters. At a hotel dance in north Goa, a wedding reception is drawing to a close. But as Baba Sehgal begins to pump down from the stage, the gown-clad guests scamper back and skip; bhangra beat at a Catholic wedding, and why not?