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What is included in cruises?

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I usually have a decent idea of the amount of money to take with us when we go on vacation. But since the 7-day Caribbean Cruise (Ruby Princess) will be our first such excursion, I need some help knowing what's included in the price we paid for the cruise.

Meals-- what is included?
I gather the buffets are included, but specialty restaurants aren't?

Tipping is a fee they are going to charge us, regardless?

Any other thing we might budget for, please let us know.

Thanks

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