Marcie has really no risk there as she has a Crystal River Cruise in 2021 where she can just move a $500 penalty. Full payment would be looming pretty soon as well. However, we would need to check the overall policies. I believe that Crystal's assurance policy is valid only if they change the itinerary or cancel the cruise. Not sure, not dealt with a Crystal Cancellation personally but that is what I think I heard last. Things change constantly.
I am hoping for the same thing Tom, I have the beautiful SUITE pins still sitting in my office. This was a trip I was SO looking forward to taking, would have been great fun for everyone.