Recent change in Norwegian HQS Management was reflected by frustration/attitude of management staff on cruise. For example, charging tips to client accounts without client prior approval. Than refusal of Management Staff to credit client account without submitting claim form to Norwegian HQS after cruise. We brought $500 to tip cruise service staff for providing excellent service and did tip this amount! Also several of the excursion trips were not as represented in Norwegians brochure. For example, Porto Limon, Costa Rica Tortuguero Tour- Boats past active oil refinery, a busy city highway, and we observed no wild life but did see a lot of garbage in the water and on the shore line. How could this be advertised as a nature tour? Than Norwegian Tour Staff than refused to credit $100 per person fee back.