Hi Hank, they're not just reluctant after final payment, they no longer make adjustments at all after that date. Any new promotions that appear after final payment due date will have a little asterisk stating "For new bookings only". Like at your local Dept store after the season for sweaters, if they mark the sweater you bought at the beginning of the season down for clearance you're too late for a rebate of the difference. Only 3 cruiselines will allow adjustments after the penalty period. Carnival, RCCL and Celebrity will under most promos (not all, like one day sales) continue to allow the rate to be adjusted down. One of the cruiselines which will remain nameless but their initials are HAL won't always allow adjustemnt before the penalty period if you paid in full. Their SWAT, 3 Day and 5 Day sale promotions all require payment in full at the time of booking regardless of the sailing date and any changes or cancellation result in a 100% penalty. That means you'll lose every penny if you book under these promotions and have to cancel for ANY reason, even medical. You can get insurance to cover the cancellation penalties but HAL requires insurance be added at the time of payment so don't think it can be added later, it cannot. Princess has one similar promotion, can't recall what they call it, it's rare that they run it. It also has a full penalty and full payment requirement. So if you're ever told you are required to pay in full at the time of the booking (and it's not the normal, so many days before booking time frame) you're probably in a no change (not even spelling of names) full penalty promotion. A good agent will cover such things at the time of the booking if they're aware. The reason I mention the if part, some travel agents don't deal with the cruiselines on a regular basis and may not know.