My husband and I decided to waive it and twice went to a notary to sign the SBP waiver before sending it to NAVPERS (they said they never received the first document). My retirement paperwork got lost somewhere between NAVPERS and DFAS. It took them 17 months and intervention by my state elected officials before my retirement pay finally kicked in. After all that, the SBP waiver fell through. DH and I talked about it and I said it was probably a happy mistake should I croak first.
BTW, I served 8 years active and finished as a reservist. Picked up a DoD job along the way, bought back my military time, and will get a nice handful of monthly checks once I start collecting everything. Life is good.
Re: lower capacity
I am all for lower capacity on ships. I'd pay more to happily not have to fight the thoughtless crowds on some of the sailings I've (not) enjoyed over the past couple of years. Passengers have gotten so incredibly selfish and self-serving on Carnival that it's become uncomfortable for me. Let me count the ways.
1. Chogs at the pool.
2. Seat savers in the theater.
3. "My kids are fine on their own with firm check-in times throughout the day." Meanwhile, the darlings are pushing all the buttons on the elevator; jumping from landing to landing on the staircases and making a huge racket; sitting across a single step, blocking the way for those who'd like to use them; groups of high schoolers sitting outside the teen center and loudly practicing their adult-style curse words for everyone around to enjoy and think to themselves, "Why, that high schooler is so amazingly mature for her age with all that cussing;" roaming gangs of cuddly middle-schoolers racing and shouting through cabin passageways at all hours; the kiddy crowds around the self-serve ice cream (need I say more); ad nauseam.
4. Lido tables being used as card or gaming tables during peak meal times and those table hogs pointedly ignoring all the folks showing up looking for a table to eat their lunch.
5. Massive pile-ups at the theater doors for the frequent cruiser party with people pushing to the front once the doors open. Bonus points for whispering into Junior's ear to go save 6 seats up front and we're right behind you.
6. The trash and dirty dishes people leave EVERYWHERE to include, but not limited to, the stairs, the pool deck, the putt-putt golf course, the theater, the passageways, the public heads, and so forth. Slobs abound.
7. Amateur night drunks.
8. T-shirts with horrific slogans that the wearer thinks is funny and the reader has to look away or pull their kid out of view. Classy.
9. When the hell that is the safety drill is lengthened because the same selfish and self-serving passengers won't follow the extremely simple instructions.
10. The "look at me" cruisers who are loud, boisterous to a fault and really don't give a flying road apple what anyone thinks.