Nica, all I can say is NEVER AGAIN with Pete Taylor. You're much better off with Phil.
I've told the story before on other threads... but, long story short, Pete took us to a bank to do a money exchange in, what he claimed was, the "safe" business area of Montego Bay. My husband almost lost his life. Too much too write here. Just be glad you're booked with Phil.
Have a great cruise.