Although our tour guide in Iceland was extraordinarily good, we will never use SmarTours again. We are telling all of our family and friends about this. SmarTours used to be a good travel company, but something has happened since we used them five years ago. They have devolved into nothing more than an unprofessional, clueless call center. SmarTours lures you in with a $100/per person discount if you pay your deposit by e-check. Six months later, when the balance is due, if you pay with a credit card, you will get an unpleasant surprise: your invoice will have a line that says "Forfeiture of eCheck Discount" and $100/person is added to the balance. You CANNOT pay by phone. The online system DOES NOT ALERT YOU of this "forfeiture." When I saw the invoice, the payment was still Pending on my credit card. THREE SmarTours call center representatives, including a supervisor, said it was no problem to fix this. I just needed to notify my credit card company and call them back, which I did. When I called back, the call center representative said there was nothing she could do. I asked to speak to a manager. She would not connect me but said she would have someone call me back. They never did. I have been BETRAYED, RIPPED OFF, and will NEVER use SmarTours again. You have been warned about this cheapskate, underhanded, chintzy company. BEWARE.