The participation of Phillips Investment Resources is limited to the onboard educational seminars. Phillips Investment Resources and co-producer, InterShow, assume no responsibility or liability in connection with the services provided by the cruise line. Phillips Investment Resources’ reputation for meeting its professional obligations is distinguished, and they are very much looking forward to hosting you on this cruise, as are all their invited speakers. However, if they or any of their guest speakers are prevented, for reasons beyond their control, from speaking on this cruise, no claim can be processed against Phillips Investment Resources or InterShow. In the unlikely event that a speaker cancellation occurs, the cruise-ship sailing and other onboard seminars will still take place and pre-registered passengers are encouraged to maintain their plans. However, if you decide to cancel, Crystal Cruises’ cancellation policy (see across) will apply. Cruise participants may want to consider buying cancellation protection insurance.