Marc, I can't answer all of your questions, but I can tell you that with regard to #1, we have been only insuring about half the total cost of the last two very expensive and long cruises: LLAMA and KANGAROO. We self-insure the rest. I would think that if you had to cancel during the 50 percent penalty period, you would get up to the amount of the insurance not 50 percent of it.

I agree with Ralph, we obtained a 5-year Medjet policy a couple of years ago because they had a pretty good deal, and as you know, we had a fairly close call in Taijin during PANDA. Too many uncertainties.

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Eugene