Donna got it exactly right! the first formal night is usually the Captain's Welcome Aboard gala and people really get all dressed-up for this occassion. Is your 16yr old a boy or girl? Girl- a nice party/holiday dress will be fine. Boy - if he doesn't have a dark suit or suit separates you might want to consider renting a tux. Same for your hubby. As for you - you will see long sparkly dresses and dressy cocktail dresses for formal night. Just remember no jeans or t-shirts in the main dining room at night.