Refunds are generally off the table for the simple reason that they dont have the money to do so. A credit is obviously the smartest move for the company if they ever want re-peat bookings, which I suspect 81% of the TTOL charterers are! I just spoke with another large company that as of this moment is offering nothing on my April Antigua trip but she said the pressure is mounting everyday and expects a full rebook credit will be company policy within the week