I'm not sure how things work in the Great White North. @YVRteachermight be more helpful. My actions are all leveraged by NCL having fully refundable deposits here in the states right up until final payment. Our banks used to pay us zero percent interest, so a no-brainer. Now they pay us 5% interest, so having cash tied up with NCL has a cost. But, what the heck, I just let it float and book NCL cruises out as far as the (booking) horizon, currently fall 2025. Don't tell anybody this, but I currently have 14 future NCL cruises booked (actually 16, but I've been too lazy to cancel two that I have no intention of taking). At $250 deposit per, that means that NCL has $3500 of my hard earned* money in their greedy hands and they aren't paying me a dime of interest. Oh well. I'm a "stock holder" (🤣), so maybe I can feel good about that? (that's a joke)
*I can't back that part about "hard earned" up.😀