 giving them use of your money for longer. However, some cruise lines will give you a 5% to 20% discount if you pay in full up front, which, given what your money earns or doesn't earn in a bank these days, isn't a bad deal. Tomorrow, I'll tell you more ways cruise lines are making money quietly. You can find info and more at rudymaxa.com. Has anybody told you about Coast to Coast AM tonight?