MSC does things quite a bit differently. Assigned embarkation times are a moving target with them, at best. They typically have everyone at a later time, and as the sailing gets closer, they often change people's times. As an example, we were in Yacht Club on Meraviglia in October. We were originally assigned 3:00 p.m., then 2:00, then 1:00. Finally, teh week of our sailing, we were assigned 10:30 a.m.