No hate at all. Selected O life tours have no specific value. You get X free tours up to typically $199, sometimes a bit more. If one of those tours is cancelled, you can select another tour up to that amount. If no tour is available, you get a $100 onboard non refundable credit. You don’t lose the $99, since you never had it. You had a tour credit only. Some people chose to select 3 hour $90 tours, while others chose $199 tours. It was all the same, one used a tour credit.With SM, it $ credits that can only be used for yours. Have a tour cancelled, good luck.