On the last day of the cruise you will find envelopes in your cabin. You can place your tips in cash in them and distrubute them to whom and how much to each as your feeling dictate. The amount "suggested" is basically an average. You may adjust up or down at your discreation according to how you feel about what they deserve. Many lines, (I'm not sure if Disney does), allow you to 'pre-pay' your tips and they will come directly out of your onboard account and be distributed for you. Some people like this option, some don't. I just happen to be one who thinks tipping is a personal thing and wish to present the proper person with what I feel is approprate and do it in person. This goes for when I think someone deserves less than the suggested amount as well as those that I feel have earned more. I do suggest that you keep a supply of small bills handy to tip room service as they are tipped at the time of service, and not at the end of the cruise.