Hi all -- My husband just got bad news that is job is closing his branch and they can no longer keep him. They have given him to the end of the year. We have a cruise scheduled for Feb 2013 with our PIF date looming, Nov 19th. I am torn on what to do. Do we cancel and lose the $ we paid in our flights? or do we keep it and risk the guilt of spending money if he is still unemployed at the time. Part of me wants to keep it as something to look forward to and being prepaid I think it would be okay. Just trying to decide what to do. The news came yesterday the day after election day too. go figure.