I have been fascinated by this discussion but am not involved in the world of high finance nor ever have been. When it comes to cruising I, like an earlier contributor to this thread, contribute to the view that SS passengers are by definition not paupers but by far and away the ones we have met in our 100+ days of travel they are people who are reasonably comfortably off and who cruise mostly maybe once or twice a year. Many plan their trips around itinerary and the comfort of SS on board care and luxury. Most of these people prefer to travel less but travel well. Then there are a few individuals who travel a huge amount and for lengthy periods who must clearly be much much more financially secure/wealthy than many of the rest of us and we find they carry almost always carry their wealth very graciously when on board. However it does seem to me that it is more of the latter type of passenger than the former who seem to interrogate the offerings and how they can reduce costs or manipulate the processes to limit the financial outgoings despite their obvious ability to pay for the more luxurious suites and grand voyages. Many of us plan, we save, we book, we travel, take the smooth with the occasional rough when it doesnt quite work as we might have hoped. We are the people whose overall lifestyle is most likely to be affected by the rather negative world economic forecasts, our comfortable pensions may continue to afford us all of our home needs and necessities and modest holidays but we are the people who may have to reduce our ventures into the world of luxury cruising. Hopefully for us this wont be for a couple of years as I have two trips already planned and mostly paid for but looking into the future the finances look a little more grey than hitherto.