Are you all affiliated with the Ritz Carlton Yacht?

Is there anything in the contract that would stop me from attending educational events, even if they are hosted by a different HA?

How does billing (payments) at KHM work? I specialize in custom itineraries - how would I incorporate my itineraries (& their cost) when selling?

I am mostly interested in selling Disney vacations - do you support international travel at all? Tokyo Disney?

Is E&O insurance included with membership? If there is one, what is the deductible?