Trying to figure out what, if anything, we need to take in local currency. Previous travel was easier with just Euros or Pounds, but we are going to 4 different countries, each with a different currency, but sometimes only spending 1 day. We are not shoppers, and assume that most meals can be put on plastic. But we have booked some shore excursions, through Viking and private, and want to know a guideline re: tipping. Any advice? Thanks.