Robie - My wife & I were on a RCL 12 day Scandanavian cruise last July. Wonderful trip! All the people of that region were extremely friendly & helpful. Everyone spoke wonderful English! We found it to be particularly helpful to change US$ into the local currencies for each port. The ship has this service available - at the normal fees, of course. We experienced better prices, and reactions, to us using their local monies. People seem to appreciate your trying to fit-in to their culture. Enjoy the trip!