Eric, you are right. I entered credit card info but did not expect the tour to be charged right away. In fact, I am (was) still hoping that there would be no charge in advance and excursion would just be charged to shipboard account.

I will give Regent Ft Lauderdale a call; I don't think Omaha will be any help. I have been able to switch non-refundable credits to cash before but I don't want to take a chance on being able to do it again. This seems like a lot of effort on my part, and the problems for Regent, for all of $98. ;)