Hi Marita, thank you for your informative reply. We are Florida residents now but formally lived in New England and will be in Rhode Island previous to our Rivercruise, so we will be somewhat prepared for the weather. We are hoping to still see some of the holiday decorations in the towns we will be visiting. We are so looking forward to seeing what we can of your beautiful country. As this will be our first rivercruise, we have a lot to look forward to. We will be sure to bring warm clothes with us. A question: will your ATM machines accept my debit card?