I was on the Radisson Navigator in Apr 04. They had a retired IRS executive who spoke on finance and avoiding tax problems. He was great. In addition to being extremely knowledgable, he was a talented speaker who took time after his formal presentations to address individual questions. I did not plan on discussing taxes on my cruise, but this guy made the subject both interesting and entertaining. I have been on many cruises. This was the most professional and informative series of lectures I have heard anywhere.