Dear Harriet,

You are one impressive travel agent as well as a wonderful mensch! Thank you for your understanding as we negotiate this health situation which I am 99.9% (like Ivory Snow) certain will not preclude us from going on the cruise. With the trip insurance, however, we have a safety valve. We will be in touch Friday afternoon after we the visit with my physician. For the second part of the payment, I wish to use another Visa card (United Mileage Plus) so that I can pick some miles to replace those we are using for air travel.

I remain, most cordially, Ed