WWithith GeoffreyGeoffrey RRussom,ussom, EEmeritusmeritus PProfessorrofessor ooff EEnglishnglish aandnd MMedievaledieval SStudiestudies aandnd The Brown TravelersNNicholasicholas BBrownrown PProfessorrofessor ooff OOratoryratory aandnd BBelleselles LLettres,ettres, EEmeritusmeritus aatt BBrownrown

OXFORD ◆ ENGLISH COUNTRYSIDE ◆ COTSWOLDS FFeaturingeaturing DDowntonownton AAbbeybbey ◆ BBlenheimlenheim PPalacealace July 7 to 15, 2017 Dear Graduates, Parents and Friends of Brown: For many, the unspoiled nature of , Shakespeare’s “blessed plot,” lies in the traditional ways of town and country life practiced for centuries in this storied island’s idyllic university towns, pastoral villages, and picturesque countrysides. Experience the time-honored quest for knowledge as played out in the hallowed classrooms, dining halls, and quadrangles of Oxford University. Learn more about how the legacy of days gone by transcends time and forms the roots of contemporary country life as you interact with village residents. Call on stunning , birthplace of Sir Winston Churchill and a UNESCO World Heritage site. Visit incredible Windsor Castle, a royal residence of England’s monarchy since the 11th century and the largest inhabited castle in the world. Uncover the deep history behind Castle, the authentic Victorian manor house now known as “.” Savor the extraordinary experience of traveling in a small, merry group to the university town of Oxford and through the Cotswold region—town and country juxtaposed—discovering the great heritage and character of England’s historic academic centers, great country manor houses and enchanting villages. Explore the age-old traditions of Oxford and become more familiar with the lives of great authors and icons of English history who were educated here or hailed from the surrounding region. Admire the picture-perfect scenery of thatched-roof cottages, English fl ower gardens and gentle streams, framed by the bucolic Cotswold landscape and dotted with evocative ruins and spectacular medieval churches built from the wealth of the wool trade. Hear about contemporary life from the local residents during the exclusive TOWN & COUNTRY LIFE® FORUM. Experience the best of quintessentially English culture while staying in an iconic, Five-Star hotel moments away from the regal grounds of Windsor Castle; a deluxe, typically English hotel in the center of a quaint country village; and a historic, Five-Star hotel ideally located in the heart of medieval Oxford. We will share this departure with alumni and friends from the University of Illinois and La Salle University. Space is limited, so make your reservation today. Sincerely,

Beth Goldman Galer ’88 Director of the Alumni Travel Program Faculty Lecturer Geoffrey Russom, Emeritus Professor of English and Medieval Studies and Nicholas Brown Professor of Oratory and Belles Lettres, Emeritus Geoffrey Russom came to Brown’s English department in 1972 and retired in 2009. He has taught courses on the history and structure of English, Medieval English languages and literatures, and linguistics for students of English. As a founding member of Brown’s interdisciplinary Medieval Studies program, Russom participated in a team-taught introductory course and contributed seminars on Old Norse, Old Irish, and Gothic. He has chaired both the English department and the Medieval Studies program. Russom’s academic interests and responsibilities have been much like those of J.R.R. Tolkien, who held a similar position at Oxford University, where he taught Old English and published a remarkably infl uential lecture on Beowulf. In response to undergraduate interest, Russom has taught a student-organized Tolkien seminar and has given talks to student groups on Tolkien’s invented languages. He has published several books of original research as well as numerous articles in literary and linguistics journals and has edited books on medieval and linguistic topics. Russom continues to publish actively in retirement. He accompanied the Brown Travelers on a previous trip and received rave reviews. Cover: Stroll through Oxford, the “city of dreaming spires,” and see the impressive architecture of this world-famous Walk among quaint row houses in the tranquil university town. Cotswold village of Burford. OXFORD ◆ ENGLISH COUNTRYSIDE ◆ COTSWOLDS Experience fi rsthand the storied destinations and steadfast traditions that have shaped English character for centuries in Oxford, the medieval town that serves as a beacon of academia; in the royal borough of Windsor and its revered castle, an offi cial residence of the Royal Family for more than 900 years; and in the quintessentially English Cotswold villages spread across the seemingly endless verdant shires of England—Oxfordshire, Gloucestershire, Worcestershire and Warwickshire—where bucolic country Fortis est Veritas— life unfolds amidst charming villages, rolling vales and lush woodlands. “The truth is strong”— Learn about the rhythms of daily life and the generations-old customs and proclaims the Coat of Arms of the city of Oxford. ceremonies of the hallowed universities in England’s towns, chinwag with local village residents and chat with the ladies and chaps of the countryside. Enjoy an enriching and intimate small group travel experience like no other, including all excursions, deluxe accommodations and specially arranged meals— an excellent value. This exclusive program is one of the popular TOWN & COUNTRY LIFE® series that immerses you in an intimate, comprehensive travel experience at just the right pace.

CULTURAL ENRICHMENTS are specially arranged and only available on this custom-designed itinerary: ◆ Enjoy an authentic experience in historic English university towns, a royal residence and in quaint, traditional Cotswold villages and countrysides. ◆ Immerse yourself in a carefully planned, balanced itinerary of all included, guided historical and cultural excursions and time on your own to partake in local daily rituals while sipping afternoon tea, watching punting boats glide along the River Thames or having a Pimm’s cup in a local pub. ◆ Explore the ornate State Apartments of medieval Windsor Castle, the vast country estate of the former English and current British monarchies and the largest inhabited castle on Earth. ◆ Tour UNESCO World Heritage-designated Blenheim Palace, the birthplace of Sir Winston Churchill, and enjoy a private lunch in the lavishly decorated Indian Room. ◆ Visit “Downton Abbey,” the splendid, authentic Victorian-era Highclere Castle, to explore the estate’s magnifi cent period state rooms, special Egyptian exhibition and extensive gardens; and the village of Bampton, a fi lming site for PBS’s popular MASTERPIECE series. ◆ Experience the venerable tradition of Formal Hall dining during the exclusive, private Farewell Dinner in one of Oxford University’s grand collegiate dining halls. ◆ Hear it from the Experts! Experienced, accredited local guides will accompany you throughout the program and share their expertise of historical, cultural and contemporary England. ◆ Engage locals during the TOWN & COUNTRY LIFE® FORUM, where residents share their stories and discuss contemporary life in the Cotswolds.

The long twilight glow of a perfect English summer evening sweeps over Chipping Campden, a serene, quintessential Cotswold village with a deep-rooted history in the wool trade. ITINERARY STRATFORD- ENGLAND Day UPON-AVON ◆ CAMBRIDGE’S COLLEGES AND CHAPELS STOW-ON- HIPPING AMPDEN THE OLD CAMBRIDGE PRE-PROGRAM OPTION C C -W 1 Depart the U.S. BROADWAY Blenheim Palace LADON 2 LONDON, ENGLAND/WINDSOR BURFORD B Check into the Five-Star CIRENCESTER R OXFORD iviv MACDONALD WINDSOR HOTEL. e BIBURY r BAMPTON T h LONDON 3 WINDSOR/BROADWAY ames CULTURAL ENRICHMENTS: Highclere WINDSOR ◆ Visit to medieval Windsor Castle, UNESCO Castle World Heritage Site country residence of the British monarchy. Air Routing Check into the deluxe LYGON ARMS HOTEL. Cotswolds nnel 4 BROADWAY/COTSWOLD VILLAGES English Cha ◆ Excursion to Cirencester, Bibury and Burford. CULTURAL ENRICHMENTS: Windsor, England ® ◆ TOWN & COUNTRY LIFE FORUM. Following the Norman Conquest of 1066, 5 B ROADWAY/STRATFORD-UPON-AVON/ William the Conqueror called for the building COTSWOLD VILLAGES of a fortress in Windsor, which became a ◆ Excursion to Stratford-upon-Avon, residence of the English monarchy fi rst used Stow-on-the-Wold and Chipping Campden. by King Henry I. When England, Scotland and CULTURAL ENRICHMENT: Ireland merged and became the United Kingdom, ◆ Visit the childhood cottage and gardens of the British monarchy was established, and the Anne Hathaway, William Shakespeare’s wife. ◆ th castle has served as the Royal Family’s sprawling Learn about the prosperous 14 -century country estate ever since. English wool trade and the wealth it generated. CULTURAL ENRICHMENT: Tour Windsor Castle’s 6 BROADWAY/BLENHEIM PALACE /BLADON/OXFORD ◆ lavish State Apartments, adorned with Privately guided tour of Blenheim Palace. priceless original furniture, decor and fi ne art ◆ Visit to Sir Winston Churchill’s grave refl ecting the changing tastes of English and in Bladon. ◆ Walking tour of Oxford. British royalty over centuries. CULTURAL ENRICHMENTS: Broadway ◆ Private luncheon in Blenheim Palace. Simply beautiful, Broadway was fi rst settled by Check into the Five-Star the Romans in Worcestershire and is often MACDONALD RANDOLPH HOTEL. referred to as the “Jewel of the Cotswolds.” 7 O XFORD/“DOWNTON ABBEY” A frequent retreat of William Morris, leader of (HIGHCLERE CASTLE)/BAMPTON the English Arts and Crafts Movement whose CULTURAL ENRICHMENTS: devotees settled throughout the Cotswolds, ◆ Visit to Highclere Castle, the authentic Broadway was once a major stage coach stop featured in the PBS series Downton Abbey. brimming with inns and public houses. ◆ CULTURAL ENRICHMENT: During the exclusive Visit to Bampton, a village fi lming location ® for Downton Abbey. TOWN & COUNTRY LIFE FORUM, local residents will discuss contemporary life in 8 OXFORD ◆ Walking tour of Oxford’s Colleges. the Cotswolds. CULTURAL ENRICHMENT: Cotswold Villages ◆ Traditional Formal Hall Farewell Dinner The gentle, rolling hillsides, thatched-roof in a historic college dining hall. cottages and country paths found in the 9 OXFORD/LONDON/Return to the U.S. charming Cotswold villages are something from ◆ RREGALEGAL LLONDONONDON POST-PROGRAM OPTION the pages of a time-worn, pastoral storybook.

Set upon 13 acres of land, magnifi cent Windsor Castle is a crown estate and an important ceremonial location that hosts the annual Waterloo Ceremony, the Order of the Garter Ceremony and the Royal Ascot Procession. Stratford-upon-Avon The beautiful, rural Warwickshire countryside is home to Stratford-upon-Avon, located on the banks of the river Avon. The birthplace of poet and playwright William Shakespeare and the home of the Holy Trinity Church, it is one of England’s most important cultural and historic locations. Enjoy wandering through Stratford-upon-Avon with its fi nely preserved 16th-century store fronts and half-timbered farm houses of Olde England. The layout of the town has remained unchanged since it was founded as a bustling market town in A.D. 1200. Blenheim Palace Sir Winston Churchill remarked that he had made two of the most important decisions of his life at Blenheim Palace—to be born and to marry. He continued, in that dry wit of his, to say he was “content with the decision I took on both occasions.” This 18th-century Your Farewell Dinner will be held in one of Oxford’s Baroque masterpiece was built by another oldest and most beautiful dining halls. national hero, Sir John Churchill, the fi rst Duke of Marlborough, with funds donated These scenic villages span the boundaries of by a grateful Queen Anne after his victory at multiple Old English shires—counties the Battle of Blenheim. Today it is a UNESCO established during the Norman Conquest World Heritage site and one of England’s of England. most treasured stately country houses, with One of the Cotswolds’ best known villages, 2200 acres of parkland and gardens designed Stow-on-the-Wold is a delightful market town by the legendary English landscape architect in Gloucestershire, located along Fosse Way, “Capability” Brown. the fi rst great Roman road in England. It was CULTURAL ENRICHMENT: Enjoy a privately guided designed around its market square during the tour through the splendid palace before an height of the English wool industry, where exclusive luncheon in the Indian Room. as Daniel Defoe told it, up to 20,000 sheep a day were funneled to market along Highclere Castle— narrow-walled avenues called tunes. “Downton Abbey” Nestled inside the scenic Vale of Evesham, The spectacular Highclere Castle, featured medieval Chipping Campden was built on the as the Crawley family’s estate in the “white gold” wealth of the wool merchants, acclaimed international PBS MASTERPIECE who left behind the soaring 15th-century television series Downton Abbey, is set Gothic tower of the Church of St. James and in an Edwardian-period property among honey-colored wool-tycoon manors, including 1000 acres of spectacular parklands. It was the 14th-century Grevel House, the oldest built as a Victorian country house upon the house in the village. Townspeople carry on foundation of a medieval palace owned for along the picturesque, arcaded High Street, nearly 900 years by the Bishops of Winchester. which retains its old English character. The richly decorated staterooms and bedrooms During the fourth century Cirencester was have been restored with authentic elements second only to London as the most important including embossed Spanish leather wall town in Roman England. Today its coverings, 15th-century Italian embroideries, award-winning Corinium Museum is 18th-century silk bed hangings and 400 years’ renowned for an extensive collection of worth of European and English paintings and local Stone Age to medieval artifacts. furniture, including a mahogany desk and Artist and designer William Morris called chair that once belonged to Napoleon. Bibury “the most beautiful village Scenes from Downton Abbey are in England.” The picturesque hamlet is famed also fi lmed in Bampton, one of the for Arlington Row, a classic collection of oldest villages in England. First established 17th-century weavers’ houses and the during the Iron Age, with later markings Saxon Church of St. Mary’s. as the site of an extensive Roman settlement, The magnifi cent Church of St. John the historic town is included in the Baptist is tucked away at the bottom of William the Conqueror’s Domesday Book Burford’s main road in Oxfordshire. of 11th-century shires and landholders. Inside, the monument to a gentleman of CULTURAL ENRICHMENT: Discover the Henry VIII’s Privy Chamber is said to rich history of one of the great manor houses contain England’s fi rst depictions of of England, where the Carnarvon family has Amazonian Indians, inhabitants of the lived since 1679. Explore the exquisite rooms, “New World.” walk the lush grounds and see the antiquities CULTURAL ENRICHMENT: Discover how the that celebrate the fi fth ’s love success of the wool trade enriched the villages of Egyptology. His combined efforts with of the Cotswolds in the 14th century and enjoy archaeologist led to the time at leisure to explore these unique, quaint discovery and excavation of Egyptian villages on your own. King ’s tomb in 1922. MACDONALD WINDSOR HOTEL This iconic, Five-Star hotel is an elegant Georgian townhouse on Windsor’s High Street, just steps away from Windsor Castle. Accommodations feature classic English decor, while personable staff provide excellent service, treating all guests as though they are members of the royal family.

LYGON ARMS HOTEL Welcoming guests since the 16th century, this traditional, quintessentially English hotel captures the charm of bygone years and the romance of the countryside with all modern conveniences. Enjoy customary afternoon tea in the serene courtyard and walk through the lovely English gardens. Located in the quaint village of Broadway, this country inn is an ideal “home” from which to explore the Cotswolds.

MACDONALD RANDOLPH HOTEL Located in an elegant landmark building, the Five-Star MACDONALD RANDOLPH HOTEL offers award-winning food in the heart of Oxford. Having played host to prime ministers and presidents, the hotel’s renowned Morse Bar is instantly recognizable as the pub favored by Colin Dexter’s fi ctional detective, Inspector Morse. The beautiful architecture and historic setting provide the perfect venue to enjoy afternoon tea, while each room has all the modern amenities of a fi ne hotel.

Oxford or college gowns, and are still Affectionately named the “city of honored with a three-course meal and dreaming spires” by adoring poets, waiter service. Learn more about Oxford is home to England’s most venerated student life at Oxford as you experience university, which counts Sir Thomas More, the magnifi cent cobblestone squares, Percy Bysshe Shelley and Margaret Thatcher medieval alleyways and Renaissance among its illustrious alumni. Steeped in quadrangles that comprise the eight centuries of history and erudition, grounds of the oldest university in the Oxford continues to nurture great scholars English-speaking world. while blending revered traditions with CULTURAL ENRICHMENTS: Join your cutting-edge research and instruction. traveling companions for a specially arranged, Here, the exclusive customs of a exclusive and private Farewell Dinner in one Formal Hall dinner require proper attire, of the college’s hallowed dining halls.

Constructed to celebrate the 1704 British victory over the French in the War of Spanish Succession, the grand Blenheim Palace is considered one of the fi rst examples of English Romantic architecture. Included Features In Windsor, England ◆ One night in the Five-Star MACDONALD WINDSOR HOTEL, located directly across from Windsor Castle. ◆ Private welcome reception. ◆ Breakfast in the hotel. In Broadway ◆ Three nights in the charming, centrally located, deluxe LYGON ARMS HOTEL. ◆ Breakfast each day and one dinner in the hotel. In Oxford ◆ Three nights in the Five-Star MACDONALD RANDOLPH HOTEL, located in the heart of Oxford. ◆ Breakfast each day in the hotel. Exclusive Excursions Led by Accredited Local Expert Guides ◆ Walking tours of the legendary university town of Oxford and the grounds of its exalted colleges. ◆ Tour of the typical and charming Cotswold villages of Broadway, Stow-on-the-Wold, Chipping Campden, Cirencester, Bibury and Burford. ◆ Exclusive guided tour of Sir Winston Churchill’s birthplace, Blenheim Palace, a UNESCO World Heritage site, and its magnifi cent “Capability” Brown-designed gardens. ◆ Visit to Sir Winston Churchill’s grave in Bladon. Exclusive Cultural Enrichments ◆ Specially arranged private luncheon in the Indian Room of Blenheim Palace. ◆ Exclusive and private Farewell Dinner in one of Oxford University’s storied college dining halls. ◆ Specially arranged TOWN & COUNTRY LIFE® FORUM of local residents who will share their stories and discuss contemporary life in the Cotswolds. ◆ Unique look at the English countryside’s architecture, cultural traditions and timeless way of life during visits to historic Cotswold villages, which lie across Oxfordshire, Gloucestershire, Worcestershire and Warwickshire. ◆ Visit to Stratford-upon-Avon and the well-preserved childhood country cottage and gardens of Anne Hathaway, William Shakespeare’s wife. ◆ Specially arranged visit to authentic Highclere Castle, also known as “Downton Abbey,” and the village of Bampton featured in PBS MASTERPIECE’S Downton Abbey. ◆ Visit to legendary Windsor Castle, the country residence of England’s monarchy for nearly 1000 years, with lunch. Enhanced Travel Services ◆ Transfers and luggage handling abroad for participants whose arrival(s)/departure(s) coincide with the scheduled group transfer(s). ◆ All excursions and visits, as outlined above, led by accredited, local expert guides. ◆ Gratuities to local guides and drivers on included excursions. ◆ Complimentary bottled water on excursions. ◆ Hospitality desk in the hotels. ◆ The services of experienced Gohagan & Company Program Directors throughout the travel program. ◆ Travel document wallet, name badge and pre-departure information. ◆ Automatic $250,000 fl ight insurance policy for each participant ticketed on fl ights by Gohagan & Company. Punting along the serene River Cam through the idyllic College Backs is a treasured summer pastime in Cambridge. Cambridge’s Colleges and Chapels Pre-Program Option Experience this iconic and prestigious British university town while walking its pristine quads and along the sculpture-lined corridors of Cambridge. Visit the famed King’s College Chapel and tour Bletchley Park, the secret World War II intelligence site where the British cracked the German codes and ciphers. Accommodations for three nights are in the heart of the city in the comfortable HILTON CAMBRIDGE CITY CENTRE HOTEL.

Regal London Post-Program Option In stately London, living history makes each successive visit more enjoyable than the last. Visit imposing Hampton Court Palace, the royal Tudor mansion and gardens along the River Thames favored by King Henry VIII. Tour the fascinating WWII Cabinet War Rooms in the Churchill Museum and explore the British Museum’s vast, world-famous collection of art and artifacts. Accommodations for three nights are in the Five-Star ATHENAEUM HOTEL, located just off of famous Park Lane and steps away from leafy Hyde Park. The Pre- and Post-Program Options are available at additional cost. Details will be provided with your reservation confi rmation.

See stately Parliament, iconic Big Ben and the famous London Bridge on the Regal London Post-Program Option. Highclere Castle, a spectacular Victorian family home, is the fi lming site for PBS MASTERPIECE’S popular Downton Abbey television series.

Early Booking Tariff* after Tariff* through February 8, 2017 LAND TARIFF excluding taxes* February 8, 2017 Per person, based on double occupancy $4095 $4395

Singles are available upon request for an additional $1100.* *Taxes are an additional $295 per person and are subject to change.

OXFORD ◆ ENGLISH COUNTRYSIDE ◆ COTSWOLDS RESERVATION FORM

Send to: Thomas P. Gohagan & Company Please make my/our reservation(s): 209 South LaSalle Street, Suite 500 ❏ Double occupancy Chicago, Illinois 60604-1446 (two twin beds). (800) 922-3088 Fax: (312) 609-1141 ❏ Double occupancy (one double bed). ❏ Single accommodations. ______❏ I am reserving as a single but Title Full Name (exactly as it appears on your passport) Class/Parent Year prefer to share accommodations and will allow you to select ______my roommate (shares cannot Title Full Name (exactly as it appears on your passport) Class/Parent Year be guaranteed). Please make my/our reservation(s): ______Street Mailing Address (no P.O. Box number please) Cambridge’s Colleges and Chapels Pre-Program Option ❏ Double at $1195 per person. ______-______❏ Single at $1795 per person. City State ZIP Code ❏ I am reserving as a single but prefer to share accommodations ______and will allow you to select Telephone: (Home) (Mobile) my roommate (shares cannot be guaranteed). ______Regal London Post-Program Option Email Address (Business) ❏ Double at $1470 per person. ❏ Single at $2170 per person. ❏ ______I am reserving as a single but Preferred Name(s) on Badge(s) Tour No. 125-07/07/17-009 prefer to share accommodations and will allow you to select Program reservations require a deposit of $600 per person and my roommate (shares cannot $200 per person Cambridge’s Colleges and Chapels Pre-Program Option be guaranteed). and/or $200 per person Regal London Post-Program Option. ❏ By reserving and depositing on this program, I/we agree to the Release of Liability, I/We want you to book Assumption of Risk and Binding Arbitration Agreement as printed on the outside my/our air from back cover of this brochure. ______❏ Enclosed is my/our check(s) for $______as deposit. (fi ll in departure city) Make checks payable to 2017 Town & Country Life Oxford. to and from London, England, ❏ I/We authorize you to charge my/our deposit of $______to: at additional cost to be advised.‡ ❏ Visa ❏ MasterCard ❏ Economy Class ❏ Upgraded Economy Class ______❏ Card Number Exp. Date Business Class ❏ First Class ______‡ Note: Airfare is subject to change and Signature as it appears on credit card availability and is nonrefundable. All FINAL PAYMENTS are required to be made by check or ❏ I/we will make my/our own wire transfer by April 3, 2017. air arrangements. PAID Company Gohagan & U.S. Postage PRSRT STD PRSRT

Explore the enchanting patchwork of the Cotswold countryside dotted with manor houses, traditional farms and picturesque villages.

RELEASE OF LIABILITY, ASSUMPTION OF RISK AND BINDING ARBITRATION AGREEMENT RESPONSIBILITY: Thomas P. Gohagan & Company, Brown University, the Brown Alumni Association, and its and their employees, shareholders, subsidiaries, affi liates, offi cers, directors or trustees, successors, and assigns (collectively “Gohagan”), do not own or operate any entity which is to or does provide goods or services for your trip including, for example, lodging facilities, airline, vessel, or other transportation companies, guides or guide services, local ground operators, providers or organizers of optional excursions, food service or entertainment providers, etc. All such persons and entities are independent contractors. As a result, Gohagan is not liable for any negligent or willful act or failure to act of any such person or entity or of any other third party. 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LUGGAGE: Luggage allowance policies are set by the airlines and may ACCEPTANCE OF CONTRACT: By forwarding of deposit, change without notice. the participant certifi es that he/she does not have any mental, physical or PHYSICAL ACCESSIBILITY: All programs require physical independence other condition of disability that would create a hazard for him/herself and mobility. Any physical or mental condition that may require special or other participants and accepts the terms contained in this Release of medical attention or physical assistance (for example, the need for Liability, Assumption of Risk and Binding Arbitration Agreement. a wheelchair) must be reported in writing when you make your reservation. Photo Credits: Alamy, Robert Harding, Corbis; all images are rights Travelers must be able to embark or disembark motorcoaches alone or managed and cannot be used without permission. with minimal assistance from your traveling companion and climb stairs without assistance. Travelers requiring assistance must travel with a companion who will be responsible for handling equipment. DISCOUNTED RESERVATIONS: Discounts apply only to those reservations received in the offi ces of Gohagan in writing, accompanied by the required deposit, by February 8, 2017. In the event a “discounted” reservation must be cancelled, no “replacement” reservation can be substituted at the discounted rate. A “replacement” reservation is a new reservation and can be substituted only at the full-fare tariff. Cancellation penalties may apply. 12/16-1