Hank - I can't thank you enough for all your wonderful tips. Hello Ephesus has responded to our inquiry and we have decided that we will do the Ephesus & Terrace Houses with them. You are correct, they don't ask for payment until the end of the tour. After reading and reading the many reviews and getting good tips on what to do in each port, I think we are ready for our cruise on the Brilliance of the Seas (RCCL) on Oct. 1, 2009. Thank you and keep on providing all of us with your cruise tips and experiences!