Not to derail the topic, but there are a lot of avenues that an agency can grant OBC. There are early booking bonuses, gap points, promotions, etc. that a customer never sees or knows of. Most of what you read on here concerning how OBC is granted is not accurate. I understand people are attempting to be helpful, but more often than not they are wrong. Agencies don't just "keep" OBC if a cruise is canceled within the penalty period.