I cancelled my trip with the 50/50 arrangement - the mix of cash back and FCC. I was to travel with friends on the Nieuw Amsterdam April 28 Med. Tapestry. Quite disappointed naturally. My friends are not available next year to cruise. If I decide to go it would probably be a solo trip and not sure at my age - 72 - that I want to do this. That is if HAL would permit me ( have well controlled diabetes - and am in excellent health according to my dr. I have a feeling that if things aren't settled by December 31 2020 I will let the FCC go. I am hoping that maybe HAL will extend the booking deadline. If I am denied boarding - I would never ask my dr. for the required letter and don't think he would sign it anyway - I wonder if HAL would refund the FCC. - anyway, two separate topics here I guess - all this remains to be seen. Thanks for letting me put all this out there!