PALM BAY, Fla. -- A local bank customer was hailed as a hero Thursday night for taking down a man who said he was down on his luck and he decided to commit a robbery. Floyd Francis gave up instantly, police said, and he was taken to the Brevard County Jail. "I drew my gun on him and put him down," Ruben Torres said. In a hand-written confession, Francis said he tried to rob the Space Coast Credit Union in Palm Bay because he needed money. He wrote, "I make music for a living, but tings not working out right...