Just be sure to use a credit card to pay for for any cruise, airline, or hotel. Then be sure to verify that your credit card statement shows the charges were made by the applicable cruiseline, airline or hotel — not the TA or travel agency! If not, dispute the credit card transaction immediately and then get another agent! There have been past cases where agent and/or agency goes bankrupt before trip and travelers loses all their prepaid money and don't get their trips!