Caroline, That is excellent information that you have given. I hope the people appreciate the time and effort that you put into it. We have been cruising 3 to 10 per year since 1990 and everything you said is right on. We also book through the cruise lines (a very good friend of ours soon also to be TVers has a travel agency) just before final payment is due we transfer our bookings to him so that he can get the commission. Because after final payment the price can't be changed anyway. Great job on the info!!