Notes From Linda

In January, we sailed away on Triumph Travel Club’s Panama Canal Cruise aboard Princess Cruises ~ Caribbean Princess. The group

spent 12 glorious days basking in the warm Caribbean sunshine as we escaped winter. Our flight to Florida went smoothly, we boarded the ship with ease and were delighted as chocolate

covered strawberries awaited us in our cabins. After we sailed away from Ft. Lauderdale, we encountered rough seas. Sitting poolside was extra lively as the rocking of the ship caused crashing waves in the ship’s pools. Within minutes, folks jumped in to enjoy the free wave pool.

The passengers were polite, relaxed, and ready to have fun, which made for an exhilarating atmosphere. One evening, a small group of us stood in the theater, turned and waved until the entire audience waved back. Everyone was there to have fun, even us.

There were many varied activities to do on ship, and each event was well attended. It was refreshing as the Princess staff and crew were helpful and genuinely happy to assist us. Unsure how they did it, but the activity staff made a mega ship feel intimate!

The talent and quality of the musical productions were exceptional, which only made it more difficult to find a seat in the theater. Everyone loved the various performers, but the comedian was especially funny. If you know Steve Lawrence or Jack Vrstal, be sure to ask how they became part of the show.

The variety of quality shore excursions made it easy for guests to select the one best suited for them. Sun drenched beaches, old city tours, rainforest aerial trams, historic train rides, turtle farms, canal boat rides, there were plenty of exciting options to satisfy every personality. Nightly dinner conversations involved the details of their last exciting escapades.

“As promised, I am still traveling with the bank travel group! What a wonderful way to renew and make new friendships. Traveling with “the bank” (Linda) is the best way to get the most of an experience: surrounded by friends, best quality for the money, and worry free. Renee and Nancy are

an asset to the office. This program is unique and a jewel even in the bank travel industry, and no wonder–it should be because of the experience, dedication and hard work that Linda, Nancy, and Renee put into it. Thank you.”

~ John & Deborah Holmes

“This was my first long vacation in 20 years . . . and it was more than I expected. The shows were very good. The tour guides on the excursions were knowledgeable and made the trips enjoyable. Getting to know people from our group and new people from the ship was easy. Everyone just wanted to have fun. The staff on the ship were great. If we could

have only figured out the clues and got out of the Escape Room. It was a blast! Grand Cayman was my favorite part of the

trip–turtles and sting rays were worth the whole trip. I am glad I chose Triumph Travel Club.”

~ Sue Cappella

Spring 2018 Volume 22, Issue 2

Booking a Panama Canal cruise during the inaugural season, getting up early to watch as our vessel began its transit through the new locks, and capturing the unique experience with stunning photos, priceless. Fascinating how the quiet darkness focused our attention and held us in awe. Everyone was absorbed by the encounter as we watched the darkness surrender to the morning light (see the stunning photo on the front page).

Only one word can describe Triumph Travel Club’s Panama Canal cruise–SUPER! We are among the few people in the world who can boast that they watched the Super Bowl on a mega screen under the stars while on a cruise ship. Plus, we had nearly perfect conditions to view the rare Super Blue Blood Moon on January 31st while sailing in the Caribbean. Finally, being a part of the fun loving community of travelers, as we explore the world together was...super wonderful.

We invite you to be part of our travel community. Join us on a day trip, extended tour, or get inspired with our Hawaii - Spirit of Aloha, 3-island vacation next year.

“I am so glad you encouraged us to do the excursion with the dolphins and stingrays. I didn’t even know this was on my buck list. Really enjoyed all the tours, but that was an awesome experience. Second

the Embera Indians of Panama followed closely by Costa Rica’s plants and animals. Time aboard ship was a mixture of fun and relaxation. First time in the Caribbean and would go again. Love that blue water! Ship service was stellar. Panama Canal: What a treat to go through the new locks realizing the great sacrifice put into accomplishing this “wonder of the world.”

~ Aneita & Don Buss

Front row, left: Ralph & Marie Drexler, Margaret & Fred Wing. 2nd row, Deborah Holmes, Steve Lawrence, Jan Crow, Jan Schadt, Vicki Buntemeyer, Mary Ann Hutchison, Diane Calhoun, Sue Capella, Nancy Gryp. 3rd row, John Holmes, Joe & Doris Wasson,

Glenda Gillham, Nancy Melin, Sandy Aune, Jane Dixon, Jim Calhoun, Lora & Warren Brandt. Back Rows, Linda & Randy Johnson, Jack Vrstal, Judy Keim, Janet Fredrickson, Aneita & Don Buss, Laurel & Bob Oestreich, Connie DeHamer, Bruce Buntemeyer,

Barb & Willis Brandt. Hidden in the 3rd row: Lora Brandt

To be fair, there is a grace period from when the newsletter is mailed until the date you may call in a reservation for the newest events listed under Hot New Events. Please note that you may call immediately for any events previously announced.

It is important to note that every call is time-stamped. Leave a message stating your name, phone number, address, and the number of reservations you wish to secure for each event. Due to the heavy number of calls, we will contact you to confirm your reservations and process your deposit. Due to safety concerns and State laws, children age 6 and older are welcome on motor coach trips.

Page 3 Hot New Events

Cubs vs Cardinals Baseball Game

Holy Cow! Join us for an exciting game as the Chicago Cubs take on their division rivals, the St. Louis Cardinals at the friendly confines of Wrigley Field on Friday, July 20th. Our day of fun includes deluxe transportation with free wifi, seating in the covered Terrance Reserve sections for the 1:20 pm game, breakfast snack, games, and prizes along the way. The cost is $115 for members and $125 for guests.

We have 2 buses! Due to the popularity of this outing, please limit your reservation to 8 tickets per household. Leave a message stating your name, the event, and the number of tickets you wish to secure. Be sure to call us on Monday, April 16th, promptly at 8:00 am..

Please note that due to construction at Wrigley Field, we will likely be required to walk to the ballpark from a special parking area. Important to note that due to safety concerns and state laws, children age 6 and older are welcome on motor coach trips. •

Mamma Mia at Circa ‘21

Join us for an ABBA-solutely fun afternoon at Circa ‘21 to see the musical production of Mamma Mia. This feel-good show features ABBA’s timeless songs to tell the tale of love, laughter, and friendship. A large cast, non-stop laughs, and explosive dance numbers combine to make Mamma Mia! a guaranteed

smash hit. Songs includes Dancing Queen, Waterloo, Super Trouper, Chiquitita, Money, Money, Money, Take A Chance On Me, and more.

Due to the high demand, we have secured 16 tables for the matinee performance on Wednesday, August 22nd. The doors open at 11:45 am, meal at 12:00 pm, pre-show at 1:00 pm, and show at 1:30 pm. Cost includes plated meal, pre-show, musical performance, and gratuities. Ticket cost is $42 for members and guests. Please note that this is a ticket-only event. •

Hawaii - The Spirit Of Aloha Three Island Travel Presentation

Be inspired with the Spirit of Aloha on this 3-island vacation that features history, culture, and breathtaking scenery on Triumph Travel Club’s Hawaii - The Spirit Of Aloha tour on

February 19 - 28, 2019. Our tour is packed with inclusions so you can fully experience the true beauty of Hawaii. Inclusions include Honolulu, Oahu, Waikiki, Pearl Harbor; USS Arizona Memorial, Iolani Palace, Pali Lookout, Hilo, Big Island, Mauna Loa, Rainbow Falls, Green Point Nursery, drive-in volcano at Hawaii Volcanoes National Park, Pacific Tsunami Museum, Akaka Waterfalls, Hamakua Coast, Hawaiian Vanilla Kitchen & Plantation, Waipio Valley Lookout, Waimea Town, Kamuela, Kona, Greenwell Farms, Hawaiian Chocolate Factory, Pu'uhonua o Honaunau National Historical Park, Maui, Kaanapali Beach, Royal Lahaina Luau, Iao Valley, Ali`i Kula Lavender, Haleakala National Park, Haleakala Crater, and more.

Join us for the travel presentation on Wednesday, May 2nd at Short Hills Country Club located at 2500 11th Street, East Moline. Call if you require directions. Meeting begins at 6:00 pm and concludes around 7:30 pm. Dessert and beverages will be served. To attend, please RSVP at (309)277-2312. A deposit of $500 per person will hold a seat on your Hawaiian vacation prior to the travel presentation. Exciting details can be found on pages 5, 6 & 7. Aloha! •

Hamilton at CIBC Theatre

Join us to see the smash hit musical of our time, HAMILTON, at CIBC Theatre in Chicago on Wednesday, August 29th.

HAMILTON is the story of America’s Founding Father Alexander Hamilton, an immigrant from the West Indies who became George Washington’s right-hand man during the Revolutionary War and was the new nation’s first Treasury Secretary. Featuring a score that blends hip-hop, jazz, blues, rap, R&B, and Broadway, HAMILTON is the story of America then told by America now.

Outing includes stop at Water Tower Place for lunch on your own, transportation with free Wi-Fi, matinee performance, 30-minute Dash at Trader Joe’s, and prizes. It is important to note that we have tickets in both the balcony and on the mezzanine. Tickets in the balcony are $137 for members and $147 for guests. Tickets in the Mezzanine are $192 for members and $202 for guests. Call us on April 16th at 8:00 am to secure your spot on the bus. Please state clearly which ticket you wish to secure–balcony or mezzanine. Please note: adult language. Due to demand, limit your reservation to 2 tickets per household. •

Calendar of Events Aug. 17th - 30th: Scandinavia & Russia Cruise

Sold out. Add your name to our wait list. This is a trip of a lifetime with seven superb ports of call: Amsterdam; Netherlands, Warnemunde; Germany (Berlin) Tallinn; Estonia, St. Petersburg; Russian (2-days), Helsinki; Finland, Stockholm; Sweden, and Copenhagen; Denmark, and 4 days at sea. Balcony cabins begin at $4,919 per person based on a double. A deposit of $550 per person is required.

Aug. 22nd, Wed.: Mamma Mia! Join us for Circa ‘21’s musical production of Mamma Mia! This feel-good show features ABBA’s timeless songs, a large cast, non-stop laughs, and explosive dance numbers. Songs includes Dancing Queen, Waterloo, Super Trouper, Take A Chance On Me, and more. We have great seats. Reserve a table for your group. Ticket cost is $42 for members and guests. Details on page 3.

Aug. 29th, Wed: HAMILTON At CIBC Theatre

Join us to see HAMILTON, at CIBC Theatre. Cost includes transportation, lunch on your own, performance, 30-Minute Dash at Trader Joe’s, fun & prizes along the way. Tickets in the balcony are $137 for members and $147 for guest. Tickets in the mezzanine are $192 for members and $202 for guests. Due to high demand, please limit your reservation to 2 tickets per household.

Dec. 2 - 7th: Southern Charm Holiday

Space is available for you to take in the ambiance, history, and legendary hospitality of the Low Country in Georgia and South Carolina fully adorned for the holidays. Our tour highlights include Historic Charleston, Boone Hall Plantation or Patriots Point Naval & Maritime Museum, James Island County Park Holiday Display, Jekyll Island, Christmas Caroling, tram tour of Jekyll Island, charming holiday themed trolley tour of Savannah, and much more. Price begins at $2,799 per person based on a double.

Feb. 19 - 28, 2019: Hawaii - The Spirit Of Aloha Be inspired with the Spirit of Aloha on this 3-island vacation that features history, culture, rainbows, and breathtaking scenery as you fully experience the beauty of Hawaii on our 10-day tour. Highlights include Honolulu, Pearl Harbor, USS Arizona, Rainbow Falls, drive-in volcano at Hawaii Volcanoes National Park, Pacific Tsunami Museum, ocean view rooms, gorgeous resorts, and an amazing Hawaiian tour manager who

handles everything for your ease and convenience. This trip is packed with inclusions. Price begins at $4,979 per person based on a double, $5,999 for a single, and $4,699 per person based a triple. Aloha.

April 28th, Sat.: Madagascar The Musical Adventure

Sold Out. Move it! Move it! Follow your favorite friends on an unexpected journey as Alex, Marty, Melman, Gloria, and

those hilarious plotting penguins bound onto the stage at Circa 21 in Madagascar The Musical Adventure. Plan to enjoy the show from the front row. Ticket cost is $8.00. Doors open at 12:30 pm and show begins at 1:00 pm. Please note this is a ticket-only event.

May 2nd, Wed.: Hawaii - The Spirit Of Aloha Travel Presentation

Be inspired with the Spirit of Aloha on this 3-island vacation that features history, culture, and breathtaking scenery, when you attend the travel presentation on Wednesday, May 2nd at Short Hills Country Club. The presentation begins at 6:00 pm and concludes at 7:30 pm. Dessert and beverages will be served. Please RSVP if you wish to attend. Details on pages 5, 6 & 7. Aloha!

June 13th, Wed.: Disney’s Beauty And The Beast Step into the enchanted world of Disney’s

modern classic Beauty And The Beast at Timber Lake Playhouse. Show features such captivating songs as “Belle,” ”Gaston,” “Be Our Guest,” and “Beauty And The Beast.” Outing includes transportation, performance, lunch at Candlelight Inn, and fun along the way. The price is $64 for members and $74 for guests.

June 21 - 27th: Southwest Canyon Country Sold Out. Highlights from our “Bucket List” canyon tour includes: a thrilling jeep tour of Sedona, Sundown Cookout, four-hour scenic train ride aboard the Verde Canyon Railroad with views of Verde Canyon, Oak Creek Canyon, Lake Powell in Glen Canyon, Bryce Canyon, Zion National Park, and more. Price begins at $2,699 per person based on a double.

July 20th, Fri: Cubs vs Cardinals Join us to see the Chicago Cubs take on

the St. Louis Cardinals at Wrigley Field. We have tickets for the Friday 1:20 p.m. game in the Terrace Reserved section. Outing includes transportation, ticket, snacks, and fun along the way. Please limit your reservation to 8 tickets. The cost is $115 for members and $125 for guests.

July 25th, Wed: Disney’s The Little Mermaid Still Space! There are still seats available for you to

join us for the magical and lavish theater production of Disney’s The Little Mermaid at the Fireside Theater. This show will capture your heart with such irresistible songs as “Under The Sea,” “Kiss The Girl,” and “Part Of Your World.” Outing includes

transportation, gourmet lunch, performance, and more. Cost is $106 for members and $116 for guests.

Tuesday, February 19 Today, we’ll transfer to Chicago and check into the Hilton Chicago Airport for a 1-night stay. Tonight, gather with our travel mates for a relaxing evening and dinner on your own.

Wednesday, February 20 In the morning, we will transfer to the airport to board your flight for beautiful Honolulu, Hawaii. Upon arrival we’ll transfer to the Waikiki Beachcomber Hotel to check in

for three nights. This lovely hotel has been freshly renovated and offers accommodations that abound with modern elegance and the lush spirit of Hawaii. Settle in and then get acquainted with tour manager, Jim Reddekopp, and our traveling companions over a welcome cocktail.

Thursday, February 21 (B, D) Following breakfast at Duke’s on the Beach, we will depart for Pearl Harbor to visit the World War II memorial site. Our tour begins with a 20-minute film that shows live footage of the attack. Then the group will be shuttled via naval launch to the USS Arizona Memorial where we can pay our respects to the 1,177 fallen soldiers. View the marble wall that has all of their names on it, as well as the ‘black tears,’ which is the oil that is still seeping out of the ship. Next, we’ll take a panoramic grand circle city tour of Honolulu to see Punchbowl National Cemetery, the Capitol, and other highlights. The afternoon is free to enjoy the amenities at our hotel, stroll along the beach or browse the shops. This evening we will enjoy dinner at the Hula Grill Restaurant.

Friday, February 22 (B) Breakfast this morning is included at Duke’s on the Beach. We then depart on our morning excursion including a guided tour of Iolani Palace, a visit to the east side of Oahu and the Pali Lookout. The rest of the day is free to enjoy Honolulu and all that Waikiki has to offer such as relaxing at the hotel, enjoying the beach, or shopping.

You may wish to forgo this morning tour in favor of an optional excursion to Oahu’s famous Polynesian Cultural Center, where you can experience the seven South Sea cultures that collectively shaped this island’s paradise.

In Hawaiian culture, the word “Aloha” is much more than a greeting of hello or goodbye. It is a way of life, full of love, kindness and compassion. Your native Hawaiian guide will inspire you

with the Spirit of Aloha on this 3-island adventure that features history, culture, breathtaking scenery and warm temperatures.

On a land tour of Hawaii you will fully experience the amazing beauty of Hawaii with its shimmering ocean, beautiful beaches, and dramatic green valleys. Discover nature’s power as you delight in rainbows,

cascading waterfalls, and the craters and volcanoes at Hawaii’s national parks.

From the history of Pearl Harbor at the beginning of our trip to a farewell traditional Hawaiian luau you will become immersed in Hawaiian culture and the spirit of aloha!

Saturday, February 23 (L, D) This morning we board our inter-island flight bound for the Big Island of Hawaii. On arrival in Hilo, we’ll discover the beauty of the slopes of Mauna Loa and Rainbow Falls, a stunning 80-foot waterfall. At Green Point Nursery you’ll have a glimpse into Hawaii’s floral industry. See premium anthuriums, orchids, and other tropical plants as they thrive on the slopes of a volcano. Then we’re on our way to Hawaii Volcanoes National Park, home of the only “drive-in” volcano in the world. Lunch at Kilauea Lodge will be included before we visit the National Park Visitor’s Center to see a movie and exhibits. In Hilo we’ll check into our oceanfront rooms for one night at the newly renovated Hilo Hawaiian Hotel. Dinner together at the Hilo Bay Café.

Sunday, February 24 (B, L, D) After breakfast, we’re in for another fun day of sightseeing. Our first stop will be at the Pacific Tsunami Museum. The museum serves as a living memorial to those who lost their lives in past tsunami events. See the exhibits and hear the incredible stories of Tsunami survivors. We’ll see the beautiful Akaka Waterfalls and enjoy the lush tropical countryside of the Hamakua Coast with its cascading streams and waterfalls, fertile valleys, mountains of lush greenery, and spellbinding seascapes. We arrive at Hawaiian Vanilla Kitchen and Plantation, the first commercial vanilla grower in the United States. During our tour, we’ll learn about the labor-intensive processes involved in producing pure vanilla and then enjoy a vanilla-kissed gourmet lunch. This afternoon we will stop at the Waipio Valley Lookout, Waimea Town and the Parker Ranch Shop in beautiful Kamuela. On arrival in Kona we will check into the lovely Royal Kona Resort for one night. We’ll dine at Don the Beachcomber, a tropical-themed eatery serving American fare with a Polynesian-influence.

Monday, February 25 (B) Today we’ll visit Greenwell Farms, a producer of world-famous Kona coffee, to learn how coffee beans get from the field to your cup. Then we’re on our way to visit the Original Hawaiian Chocolate Factory to see how cacao is grown and processed into delicious chocolate! Our final stop today is at one of the most interesting and enchanting cultural sites in the State of Hawaii. Pu'uhonua o Honaunau National Historical Park, also known as “Place of Refuge,” is the most complete restoration of an ancient Hawaiian religious sanctuary. Later, we’ll catch a flight to the beautiful island of Maui where we will check into the Royal Lahaina Resort for two nights. Set amidst 27 tropical acres, this oceanfront hotel sits in a prime location along an exclusive half-mile stretch of Kaanapali Beach.

Tuesday, February 26 (B, D) Today enjoy a free day in Maui. Enjoy the beach, relax by the pool, or shop ‘til you drop in town. Take the trolley for a nominal fee from the hotel into Lahaina Town for shopping, museum exploration, and lunch on your own at one of the fine eateries in this old whaling town. Perhaps you would like to join an optional Road to Hana tour or Whale Watch cruise. Tonight, as a dazzling sunset colors the sky, enjoy a festive evening at the Royal Lahaina Luau. This impressive cultural celebration featuring the dances, music, and traditional festivities of the Hawaiian and Polynesian people is the perfect way to bid a fond farewell to Hawaii.

Wednesday, February 27 (B, L) Enjoy a leisurely morning at the hotel before we check-out and depart for sightseeing on Maui. We’ll take a scenic drive to the Iao Valley, an area conquered by King Kamehameha in 1790. We will learn the history of this tropical paradise and then travel to the Iao Needle, an historic 1,200-foot stone pinnacle. We then drive to the uplands of the island where we’ll find the beautiful gardens of Ali`i Kula Lavender, home to approximately 55,000 lavender plants and 45 different varieties of olive trees, lavender, hydrangea and protea. Have lunch, tour the farm, and learn about the many uses of lavender in the home. At the Bee Hives learn about the important role that bees play in agriculture. Then we’re off to Haleakala National Park to experience many of the highlights this beautiful park has to offer including the spectacular Haleakala Crater, waterfalls, and a world famous wind-surfing beach. There is time for some last-minute shopping before we make our way to the Maui airport for our overnight flight home.

Friday, February 28 Arrive back to Chicago today filled with warm memories of our wonderful Hawaii - Spirit of Aloha vacation together. Upon our arrival, we’ll gather our bags, board our private transfer home, and return safe and sound to East Moline.

Be ready to become enchanted by your Hawaiian-born tour manager’s charming and easy-going personality as

Jim Reddekopp shares with us his passion for his beloved home and the Aloha spirit of the Hawaiian Islands.

You will love how he takes care of everything and agree, there’s no better person to spend your vacation with in Hawaii.

Prices listed include an airfare estimate of $950. Once air schedules and fares come available,

the price of the tour may need to be adjusted based on the actual airfare acquired.

Passengers will be advised of any price adjustment as soon as possible.

To make it more convenient for any member living outside of the Quad Cities area: we can

arrange airfare from the airport of your choice. Tour price is adjusted based on local airfare.

Tour Highlights: Honolulu, Waikiki, Pearl Harbor; USS Arizona Memorial, tour of Honolulu, Oahu,

Iolani Palace, Pali Lookout, Big Island, Hilo, Mauna Loa, Rainbow Falls, Green Point Nursery, Hawaii

Volcanoes National Park, “drive-in” volcano, Pacific Tsunami Museum, Akaka Waterfalls, Hamakua

Coast, Hawaiian Vanilla Kitchen and Plantation, Waipio Valley Lookout, Waimea Town, Kamuela,

Kona, Greenwell Farms, Original Hawaiian Chocolate Factory, Pu'uhonua o Honaunau National

Historical Park, Maui, Kaanapali Beach, Lahaina Town, Royal Lahaina Luau, Iao Valley, Iao Needle,

Ali`i Kula Lavender, Haleakala National Park, Haleakala Crater, and much more.

Round-trip airfare from Chicago O’Hare

Two inter-island flights (Pleasantly and conveniently taken care of by Jim, our tour manager.)

Deluxe motor coach transportation throughout our tour in Hawaii

Eight nights in deluxe hotel accommodations (Ocean view rooms.)

Six breakfasts, three lunches, and four dinners

All activities and admissions as listed in the itinerary

All gratuities for drivers, local guides, and Tour Manager

All tour-related taxes

Baggage handling at all airports and hotels in Hawaii

Services of a full-time Hawaiian Tour Manager, Jim

Services of a Triumph Travel Club Escort

Pre-departure party to review final documents

Special keepsake DVD of our Hawaiian vacation

Travel Protection: Cruises and Tours Worldwide has purchased a Group Protection Plan on behalf of all travelers, which is provided by Travel Insured International. A copy of the Plan Document will, be provided to all participants.

Items not Included: Optional tours: Polynesian Cultural Center in Oahu, Road To Hana or Whale Watching cruise in Maui, airline baggage check fees, cost of any meals and drinks not listed, items of a personal nature, any possible fuel surcharges.

Deposit: A deposit of $500 per person ($1,000 for a single) will secure your reservation prior to presentation. It is important to submit a completed reservation form, deposit, and a copy of your passport/driver’s license by Wednesday, May 9th to: Triumph Travel Club, 701 Ave of the Cities, East Moline, IL 61244.

Handling Fee: A $25 per person handling fee for cancellations after September 12, 2018.

Final Balance Due: Monday, November 12, 2018.

Travel Documents: A valid photo ID (passport or driver’s license) is required.

Cancellation Policy: All payments are fully refundable for cancellations received by November 12, 2018. Cruises and Tours Worldwide has purchased a Group Protection Plan on behalf of all passengers which is provided by Travel Insured Intl. A Travel Protection claim must be filed with Travel Insured Intl. for cancellations received after November 12, 2018. Passengers must be prepared to submit any supporting documentation if cancelling the trip for a covered reason. *This document contains highlights of the plan. The plan contains insurance benefits underwritten by the United States Fire Insurance Company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015. The plan also contains non-insurance Travel Assistance Services that are provided by an independent organization, and not by United States Fire Insurance Company or Travel Insured International. Coverages may vary and not all coverage is available in all jurisdictions.