Pay it Forward
A deliberately misleading title; I have been tussling with far too many crossword puzzle clues.
This has to do, actually, with getting a substantial discount on the cruise by paying it off now as opposed to end of December. The benefit totals somewhere in the 15-18% range which, you must admit, is somewhat more than a garden variety savings account offers (I think the interest from leaving those dollars where they were, would have come to nearly five dollars over the same period. WOOHOO).
I don't recall where this picture was taken; only that it's an interesting view. And Michele's straw hat did stay on, FWIW!