“By restructuring our long-term capital, our financial bandwidth is robust enough for me to initiate an early retirement.”

He reached across the table and covered my hand with his.

His palm was warm and dry.

“We have earned a little peace and quiet, just the two of us,” he said.

I looked down at the shiny photographs of older couples drinking champagne on a sun deck.

The second brochure showed the inside of the ship, with a grand dining room full of crystal chandeliers and a huge casino.

“You want to retire?” I asked.