Although the guaranteed tips may insure that good employees stay with the cruise line, in some cases, I think it gives some the incentitive to let things slide and only give the minimal amount of service, as they will be getting paid the same anyway. We have never carried the full amount of tips onbaord and had to keep it in the safe. We use the ATM machine and also, on Carnival, you can cash a check if you have an American Express card, so we have always done that also. When we feel that we have received excellent service, we tip above the recommended amount and I think that those who receive it, have gone the extra mile to take care of their guests. As i said before, we tipped our room stewardess $250 when the recommended amount for the 2 of us was $140, but she earned it. I will always request that our tips be given to the ship's employees on the last night, in cash, instead of being pre-paid. I realize there is an abundance of opinions on the matter and everyone should do what they are comfortable with.