What you and SS are saying is that if the customer doesn't want to purchase the D2D trip at the price presented, it is up to them to click on the various elements they don't want, deduct the credits that are listed for each item, and then deduct the total of all those credits to come up with a price for a P2P. And then to say "thank you" for doing this extra work for them, the cruise line requires a larger down payment, with less friendly cancellation terms, and extends a lower frequent cruiser discount. Wouldn't it be more customer friendly to present two prices -- one for D2D and one for P2P - and extend the same terms for both?