FL resident rates are only offered occasionally, and seem to be getting more sparse as time goes by. They are also fairly last-minute, so it is tough to really plan a trip that way. The OBB is the only way I know of to get a flat discount on whatever cruise you want.
Florida resident rates are usually given after the PIF date you also can usually switch to a FL resident rate after booking by just forfitting the on board credit. We book what we want with the OBB and then see if a FL resident rate comes available. They are only used to fill boats that aren't selling well.
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