Cruise lines are finding ways for passengers to work off those big meals.

Exercise programs on board are increasing in number and variety, says Bob Dickinson, senior vice president of sales and marketing for Carnival Cruise Lines.Carnival, for example, has Nautica Spas with gym equipment and training techniques on all its vessels, Dickinson says, along with organized deck walks and aerobics.

The Holland America Line has a Passport to Fitness program for passengers who wish to take part in activities from dance classes to a daily walk-a-mile program, says Douglas Gray, director of entertainment.

Royal Caribbean has introduced a ShipShape program that includes jogging, dancercize and saunas. Rod McLeod, executive vice president of sales, marketing and passenger services, says Royal Caribbean also has "aquasize" classes conducted in the ship's pools, among other fitness activities.

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Call back home quick and cheap when you`re abroad.

AT&T has reduced the minimum billing to one minute from three with its USADirect service. American travelers can call at AT&T rates, avoiding hotel surcharges and local taxes, and the charges will appear on their phone bills at home. The service is available in 79 countries around the world, including 12 recently added: For a wallet card with information on service use, call 1 (800) 874-4000.

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"Rollin' by the River" is the wheelchair access guide for the elderly or disabled tourist to New Orleans.

Guides are available by mail at $2.25 each from the Advocacy Center for the Elderly and Disabled, 210 O`Keefe, Suite 700, New Orleans, La. 70112. They also can be picked up at the center for $1.

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Travelers to New York, Los Angeles or San Francisco can take advantage of group hotel rates in those cities by calling Express Hotel Reservations at 1 (800) 356-1123. Founder James Dick says savings from $20 to $50 per night are typical through his cooperative, based in Boulder, Colo.