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This e-book is a must for anyone who is preparing for the New York State Notary Public examination. We review the key points covered in the State Notary Public Law Booklet and offer a practice exam. By Viktor Bujanow, N.y.s. Notary Public over 25 years.
Notary Public Review Class – New York State

Smoking has become the affliction of a large magnitude of people and others seem to be joining the smoke bandwagon at an alarming rate. Smoking has become a very common sight with one out of every fifth person being a smoker. The trend of smoking has become very common among teenagers also. The problems one gets due to smoking are many, but they do not seem to encourage people to stop smoking or deter people for starting to smoke. The hazardous effects of smoking are many, but people do not seem to be paying heed; the tobacco companies seem to be the only one is reaping the rewards out of smoking.

Since tobacco was born, it has been a few companies dominate the tobacco industry. These companies control most of the production and distribution around the world. They are quick to adapt to their policies and tactics to conform to the regulations set by the government and cater to the needs of the ever-increasing number of smokers around the world.

Tobacco companies of the world

A few companies hold the tobacco production and control of tobacco; the three largest companies sell close to two thirds of the entire supply. The stagnation in demand has prompted them to explore new markets.

The government is in a predicament since the tobacco industry accounts for a vast amount of jobs, but it also has to protect the health of its citizens. The government has tried to cut down on smokers by increasing the taxes imposed on them. By increasing the taxes on tobacco products and leveling higher duties on the companies, the companies are forced to raise the prices, which indirectly reduce use; since higher priced goods will be used less often. There is not much the government can do since tobacco is not a banned product.

The large companies also diversify their business to keep abreast in the market. They use various ways the companies diversify.

By market segments: Products are usually divided into categories, from high priced premium cigarettes to low and middle class of cigarettes. Companies with big brand names sell premium high priced cigarettes but also expand in to lower class sales to protect them from susceptibility. A decline in sales of premium cigarettes will be ploughed back by the sales in the lower or middle brands of cigarettes.

By target group: Every cigarette has its target group. By creating a new target group, the company can raise its overall market share. Thus the need to branch out into women cigarettes and target young people.

This targeting of women and youngsters has been seen in bad light. The tobacco industry has long targeted young people with its advertising and promotional campaigns. One of the most memorable, “Joe Camel” campaign initiated by the R.J. Reynolds Tobacco Company, helped generate public outrage against tobacco company efforts to reach young audiences and it is no longer used. The reason is obvious, most people start smoking at an early age. Getting a hold on a new segment will increase its share in the market.

Women are also a segment that the industries try to win over. Cigarettes for women are put forward as a symbol of liberation and some even shown in the light of slimming products. Manufacturers produce (long, slim) cigarettes especially for women. Perfumed or scented cigarettes with exotic flavors are targeted at women. Cigarettes usually have the word “slim” or “lights” to attract women consumers. Minorities are also a target for the tobacco industry.

Diversification by tobacco products: cigarettes companies also try to branch out into other tobacco products. For example, Imperial tobacco has decided to branch out into the roll your own segment; it dominates both the tobacco and the paper for this segment.

Diversification by non-tobacco products: food seems to be the favorite for companies seeking to diversify. R.J. Reynolds bought Nabisco (which, in turn, was later acquired by Kraft) owned by Philip Morris. Japan Tobacco derives a (small) part of its sales from food. Logistics and wholesaling are another favorite

Austria Tabak, wholesaling of tobacco and other products (and the operation of vending machines) makes up a large share of turnover. Over 20 per cent of Altadis’ earnings originate in its logistics division. Skandinavisk Tobakskompagni owns the largest wholesaler of consumer goods in Denmark. BAT tried financial services (but, since 1998, is a pure tobacco company).

Diversification into food and other activities makes the tobacco companies less dependent on (slow-growing) sales of tobacco products. However, the profit margins in these industry are usually well below those attained in tobacco processing. Producing and marketing cigarettes remain the more lucrative activity.

Incase of diversification by geographical market, OECD-based tobacco companies are keen to reduce their dependence on their stagnant home markets and establish a presence in markets where growth is above average. After having started business in many markets in Latin

America, Central and Eastern Europe, and the Central Asian republics in the 1990s, their center of attention is shifting to the Far East. All the major tobacco companies now have a presence in Poland, Russia and the Central Asian republics. Austria Tabak, which gained a presence in

Estonia when it acquired the cigarette activities of Swedish Match also has a 67 per cent market share in Guinea. The company was considering entering Asian markets when it was taken over by Gallaher in June 2001. Through this take-over and the acquisition in 2000 of Liggett-Ducat, the Moscow cigarette maker, Gallaher greatly reduced its dependence on the UK market. Similarly, Japan Tobacco became a world player when it acquired the international activities of R.J. Reynolds. Thanks to a relentless internationalization drive, Germany’s Reemtsma now sells less than one-third of its total in its home market (compared to over 60 per cent in 1991) (see also figure 6). It is now on the go in several Central and Eastern European countries and, in 1999, it acquired Cambodia’s Paradise Tobacco Company.

The government.

A predicament is generally faced by the Governments all across the world. On the one hand, tobacco-growing and processing can makes a large contribution to employment, tax revenue and foreign exchange receipts. In many developing and formerly centrally planned economies, the tobacco companies have made sizeable and most welcome investments when other investors were disinclined to do so. On the other hand, governments have the responsibility to protect the population’s health. Smoking is harmful to health and treating people for smoking-related illnesses is expensive. This can lead to heated debates within the same government as each sector defends the interests it believes it should represent.

The economic importance of tobacco growing and processing differs from country to country. At the national level, cigarette (sales and import) tax can be a main source of government revenue. In Russia, cigarette tax revenue contributes around 8 per cent to the financing of the state budget.

When the government owns the industry, it receives profits in addition to tax. That is why, in so many countries, State monopolies continue to control cigarette trade and production. In China, proceeds from state-owned CNTC amounted to the equivalent of US$11,000 million in 1999. CNTC has been the Chinese State’s top revenue generator for years. Japan Tobacco earned more than US$400 million for the Japanese State in the fiscal year ending March 2000. The monopolies can also play a social function. In Italy, several of the state monopoly’s factories are to be found in areas of high unemployment.

Then there are balance of payments issues to mull over, many low-income countries rely on the export of cash crops such as tobacco to pay for the service of their foreign debt.

Tobacco exports made up close to 10 per cent of Cuba’s exports in 1997-98. In the case of

Tanzania it was 15 per cent, In Zimbabwe over 25 per cent and in Malawi tobacco exports made up two-thirds of commodity exports.

Citizens smoke. But, if they smoke domestically produced cigarettes, using homegrown tobacco or use imported cigarettes and tobaccos can make a large difference when foreign exchange is scarce. That explains why so many countries try to restrict the imports of cigarettes and encourage domestic producers to use local tobaccos, for example, by providing a favorable tax treatment to companies that use a minimum percentage of homegrown tobaccos. The cigarette companies have also been a key source of investment in the formerly centrally planned countries of Central and Eastern Europe, and Central Asia. When others were disinclined to invest, those companies saw the possibilities offered by a blend of pent-up consumer demand, outdated production facilities and the association with independence and “western style” living that so appealed to the people in these countries after many years of central planning and little consumer choice. After having lobbied successfully for the reduction of restrictions of Asian markets such as Japan and the Republic of Korea, the large tobacco companies are eagerly waiting for the opening up of the other economies (notably China) that continue to restrict imports from and/or investments by foreign tobacco companies.

Tobacco growing, processing and exports can thus make a significant involvement to national employment and national income. Yet, however important tobacco growing and processing may be at the national level, its full economic and social significance is best grasped at the micro or regional level. In some regions, tobacco is grown side by side with the crop, which is the main source of income; its contribution to overall income is modest. However, in many others, tobacco is a main source of income and employment.

Tobacco growing and tobacco processing may bring substantial economic and social benefits, but the treatment of smoking-related illness is costly. Cigarette smoking causes cancer. It is addictive. The WHO estimates that tobacco products cause around 3 million deaths per year. Cigarette smoking is the major cause of preventable mortality in developed countries. In the mid-1990s, about 25 per cent of all male deaths in developed countries were due to smoking. Among men aged 35-69 years, more than one-third of all deaths were caused by smoking. The costs of treating all these people are clearly enormous (WHO, 1997).

So far, smoking has not had the same impact on mortality among women and among people from developing countries. There is an approximate 30-40 year time lag between the onset of persistent smoking and deaths from smoking. The effects of the greater incidence of smoking between these two groups will thus be felt with a lag, but it seems reasonable to believe that its impact on them will not differ fundamentally from that on developed country males.

It may be argued that smokers willingly take a certain health risk when enjoying their smoke. They like the taste and all the other things that they associate with smoking. Nevertheless, this does not apply to environmental tobacco smoke (ETS) or “second-hand smoke”.

Smoke gets in your eyes your clothes. Moreover, it gets in your lungs. Non-smokers cannot escape from smoke in badly ventilated areas. To be exposed to other people’s tobacco smoke can be a nuisance in addition to being a health risk for non-smokers.

Governments and conflicting pressures: How do they get by?

In practice, governments have opted for several strategies (which are often followed simultaneously). A recent strategy consists of seeking compensation for the costs of treating smoking-related illnesses. It has been followed with success in the United States, as we saw in section 3.4. Governments also set rules regarding the maximum content of hazardous substances in cigarettes. Most of all, however, governments try to discourage demand for what is, as the industry does not tire of telling us, essentially a legal product.

This is done in a variety of ways, with some governments applying particular vigor and others taking a more relaxed approach. Overall, however, the trend is clear: governments’ rules on smoking are becoming ever more restrictive. The use of tobacco products is being discouraged in several ways.

Limitation of the space where smoking is allowed.

This is done above all to protect non-smokers from involuntary exposure to tobacco smoke. Smoking is being prohibited in public places (particularly health care and educational facilities) and in mass transport. Legislation requires restaurants to reserve space for non-smokers.

Limitation by age group

It is prohibited to sell tobacco products to people under a certain age.

Limitations on points of sale.

The use of vending machines is being restricted because these cannot discriminate against sales to young people.

Health warnings stating that tobacco is harmful to health have become obligatory.

The warnings must be placed on packets and in ads, with the authorities prescribing the text and the minimum space allotted to the warning in the ad or on the pack. Governments sponsor education and public information programs on smoking and health.

Advertising bans. Restrictions concern the location of ads, the media used (no billboards, no ads in the printed media or in cinemas), the images presented (no young people, no cigarette packets), and the time when broadcasting is allowed (not during hours when children watch television).

The manufacturers are unhappy with these restrictions, and in particular with the ban on advertising. In their view, it is not proved that such a ban discourages demand for cigarettes (as its proponents claim). They are concerned about its effect on the value of their prime asset, the brand name.

Worldwide, the tobacco-processing industry employs hundreds of thousands of people. However, due to a combination of slow demand growth, consolidation, and higher productivity, this number is unlikely to increase by much in the near future. Fewer people are needed per unit of production. The industry is becoming less intensive in the use of labor. Tobacco growing, in contrast, gives work to millions of people. It continues to be a highly labour-intensive activity. The scope for productivity increases in tobacco growing would appear to be more limited than those in tobacco processing.

Over a million people are employed in the world tobacco industry

However, of this number a high percentage is employed in just three countries: China, India and Indonesia. The large number employed in China comes as no surprise in view of the large number of cigarettes (one-third of the world total) produced there. Still, the productivity gap with the United States is striking. China produces roughly three times as many cigarettes as the US, but it needs over nine times as many people to produce them. In the other two countries, the scope for productivity improvements would appear to be even higher.

THE SCENARIO TODAY.

The situation concerning smoking are scary, if global trends continue as they are doing today by 2030 more than 8 million people will die each year from tobacco related causes-80% in the developing regions of the World. In India per example where 120 million smoke 1 in 5 men will die for smoking. Smoking is on the decline in developed nations but is on a large-scale rise in developing or underdeveloped nations. The statistics are frightening, every eight seconds someone dies from smoking; about 15 billion cigarettes are sold daily. There are 1.1 billion smokers in the world today, and if things continue as they have, that number is expected to increase to 1.6 billion by the year 2025.

Smoking and use of tobacco products is on a decline in most developed countries. However, it is on a rampant increase in other developing countries.

In the US, there has been a decrease in the number of smokers. This can be attributed to the growing awareness of the damage smoking causes to the health of the individual. There is however a sad side to the story, smoking has increased to a drastic level in other countries and the figures are staggering.

China is home to 300 million smokers who consume upwards of 1.7 trillion cigarettes a year, or 3 million cigarettes a minute. As many as 100 million Chinese men presently under the age of 30 will die from tobacco use. There are approximately 120 million smokers in India today, and it is estimated that in the year 2010 alone, there will be close to one million tobacco-related deaths among men and women age 30 to 69 in India. Worldwide, tobacco use will kill more than 175 million people between now and the year 2030. Current tobacco-related health care costs in the United States total US $81 billion annually. Germany spends an average of US $7 billion, and Australia, US $1 billion each year on health care directly related to tobacco use. Health care costs associated with secondhand smoke total US $5 billion a year in the U.S. It is estimated that as many as 500 million people alive today will be killed by tobacco use. The statistics are chilling.

One reason for the sudden spurt in the numbers in these countries may be due to the arrival of tobacco companies. The lax stand of the governments in these countries makes it a good bet to start business. The anti smoking lobbies in these countries have not been able to combat the increase. Increased awareness has made it hard for tobacco companies to work in many countries and so the tobacco companies have shifted their sights to greener pastures.

These countries have a very small anti smoking lobby and the government restrictions o them are not so tough and the government is dependent on the revenues it earns from them. Setting up business in these countries has resulted in increased used of tobacco products.

The anti smoking lobby has been very effective in curtailing the spread and increase of smoking around the world.

Advertising related to tobacco has is banned in most countries. Warnings of the harmful effects of the product have to be printed on the packet. This statutory warning is mandatory in most countries. The WHO in its Framework Convention on Tobacco Control, which came into effect on 27 February 2005 has specified that all 168 countries should ban advertisements unless their constitutions forbade them to do so.

Today, we are aware of the hazards of smoking. Even though the people are aware of the harmful effects of smoking they rarely seem to pay heed. Everyone knows that smoking causes cancer, heart diseases and can shorten the life span of an individual. It is a highly addictive habit and smokers are at a risk of losing ten years of their life.

With so many smokers around the world, tobacco companies are the only ones gaining form the increase.

Roatan, and San Pedro Sula are both part of a Central American country. Honduras is a country that was badly washed out by its political history, plight of economy and even the occasional natural disaster brought about by hurricanes over the years. However, Roatan is a paradise of the holiday maker, especially for the cruise vacationers. As for San Pedro Sula, it is where the tobacco growers of Honduras live in.

Beside being one of the poorest countries in Central America, Honduras is also one of the many countries which is still unable to repay the loan from the World Bank and the International Monetary Fund. In some people’s view, the country is a place of poverty, crime and political unrest. This is also probably the reason why the people of Honduras are not united in thoughts and behavioral patterns. Despite all their various problems, the people of Honduras do share one common identity though, and that is their cigars.

Ever since the cigars from Cuba are banned from entering the US because of a sanctioned trade embargo against the country, cigars from Honduran have started to grow in familiarity and popularity among the people of the US. In fact, Honduran cigars have grown to become the favourite among many cigar lovers in some European countries.  

If we were to trace the history of Honduran cigars, we will find that they actually had their roots from Cuba. Many tobacco farmers had decided to migrate and settle in their neighbouring country, Honduras, when they were no longer allowed to operate their businesses under the communist rule because Fidel Castro announced that all businesses in Cuba shall come under the government’s control.

Frank Llaneze, the founder and President of the Honduran-American Tobacco S.A. (H.A.T.S.A.), is one of the earlier creators of Honduran cigars. He has invented a new type of cigars that had since become very popular with the cigar lovers. He was persistence in looking for ways to create a new type of Havana tobacco by mixing it with other Caribbean countries’ tobacco species. He knew that he was in desperate need of a new variety of tobacco before all Cuban tobacco was wiped out in the Cuban revolution. After many futile attempts, he finally succeeded in growing a new specie of tobacco seeds in the Honduras’ fertile soil. This new specie of tobacco seeds were actually the offspring of the Cuba and Connecticut tobacco seeds. In today’s world, many renowned cigar brands such as Excalibur, Hoyo de Monterrey and Punch were produced by H.A.T.S.A. and they are the top cigar brands which are very popular with the American cigar aficionados.

A mixture of nuts and wood gives rise to the flavour of the well-known Honduran cigars. An aroma of spicy and woody finish topped off full-bodied taste of the delightful cigar. It is not uncommon to find a stick of Honduran cigar, which is comparable to their Havana predecessor, accompanying a toast of red wine. The American tobacco lovers find great elation in the Honduran cigars, especially since the Cuban cigars are only available in the expensive black market.  

Despite being a country of great poverty, Honduras is definitely in possession of one of the world’s riches that many countries would desire to own. It is believed that in the near future, Honduras will be rid of its poverty state and become the tobacco capital of the world.

The study of the economy of Cuba can be divided into four phases. The first phase consists of the occupation of the island by the Spanish, which led to the extinction of the aboriginals and the bringing of African slaves to work on the sugar plantations. At this point of time, Cuba provided for the highly profitable business of sugar cultivation and its exports. Sugar industry was the crux of Cuba’s economy and Cuba rose to become one of the largest producers of sugar in the world.

The second phase pertains to the years following the wars of independence against the Spanish and also the invasion of Cuba by the US. It is marked by the sweeping powers of intervention obtained by the US in 1902, with the Cuban economy being controlled by the growing investment of the US citizens in the sugar plantations of Cuba. Now, again, money and profits from the sugar plantation, sugar refineries and subsidiary sugar products such as rum went to the many American investors and a few Cuban elite. The other major industries also included tourism, tobacco, transportation, mining and the communication industry.

The third phase begins with the Cuban revolution and the beginning of Fidel Castro’s rule in the year 1959. All plantations that were more than 400 hectares became state owned and all industries including the petroleum and the telephones became nationalized. This lead to the US trade embargo towards Cuba. Cuba lost its traditional international market. However, Cuba found a trade and political ally in the USSR when the Cuban-sugar for Russian-oil package worked well. Cuba reoriented itself to the Russian and pro-Russian market and did over 80% of its international trade with them. The next 30 years saw tremendous improvement in health care, education and social welfare. Cuba boasts of a 97% literacy rate and the life expectancy increased to 76%. There was an egalitarian distribution of income and Cuba’s income inequality index became the lowest in the world.

All was well until 1989 when it became clear to Cuba that sooner or later Cuba would have to learn to do without any subsidies or trade relations with the USSR and the eastern European countries. The fourth phase begins here with the government dubbing it as the ‘Special Period in Peacetime’. The economic reforms include:

(i) the opening and gearing up of tourism as an industry

(ii) diversification of the agricultural sector by producing fruits and vegetables and rice along with live stock for local consumption that include the visiting tourists.

(iii) production of more of citrus food and less of sugar

(iv) focusing on that sector of fisheries which sent its fleets to nearby seas and exporting spiny lobsters to Japan

(v) State-owned lands have been converted to agricultural cooperatives that are managed to a certain degree by the workers. Retail outlets at a small scale have been allowed for the food market. In the field of food production, allowing the sale of excess production (which is above the state-fixed production quota) in the free market has brought down black markets, in addition to enhancing production

(vi) Foreign investments in various industries such as tourism, mining, telecommunication, construction and manufacturing sectors have been allowed

(vii) Self employment has been legalized for around 150 occupations.

Investment into biotechnology and pharmaceuticals during the third phase reaped returns when products of this industry were available for export now at the fourth phase.

The other Cuban industries include cement, steel, agricultural machinery and construction.

Fisheries, nickel and ore production, growing agricultural products such as fruits, tobacco are some areas that have shown growth in the export sector. Cuba now exports to European countries (50%), Canada and Latin America (20%), and Asia (20%).

Spain, France, and United Kingdom have invested in the tobacco and cigar production. Spain and Canada have invested in the exploration of oil off the shores of Cuba. Mexico, Canada, Australia, South-Africa, Netherlands, Brazil, and Chile are the other major countries that have invested in the various industries of Cuba.

Cuba has entered into an agreement with Venezuela whereby thousands of Cubans who are doctors, teachers and sports trainers, and engineers would move in to Venezuela to assist their development program in return for 53,000 barrels of oil per day being shipped to Cuba for the next five years.

“Energy revolution” where apart form changing the entire system of power generation and distribution, energy conservation is also aimed at, has been in vogue in Cuba for the last two years. The quality of life of the Cubans are improving with the volunteers of the government replacing on a door-to-door campaign, the existing electric stoves and lights with the ones that are more efficient and less energy consuming. Energy efficient refrigerators and television sets have been distributed and would be installed in all the thousands of housing units that the government is building. Energy efficient buses from China would soon be available for the Cuban public transport. It is just a matter of some time when power generation would take place at hundreds of units that are well synchronized, thus avoiding wastage of power while distributing it through very long distances. Generation of natural gas while exploring for oil at oil rigs is also considered.

Cuba has also legalized the US dollars. Further, the Venezuelan inputs for domestic oil production and upgradation of existing power stations have raised the level of optimism. Cuba is also hoping to find oil off its shores. Apart from the sugar industry and its related products, there are various industries such as tourism (also called the lung of the Cuban economy), fisheries, nickel and ore production, production of tobacco, Cuban cigar, citrus fruits, pharmaceuticals, coffee, besides basic manufacturing industries which have earned Cuba foreign exchange. Cuba has learned to manage its post-USSR economic condition and is steering towards a more prosperous economy.

A few years ago, in 2006, the Nevada legislature imposed a public smoking ban.

The new rule doesn’t apply – as yet – to the storied casinos of Las Vegas, where smoking is still allowed on gaming floors. And of course Nevada is hardly the only recent state to impose restrictions on public smoking. Indeed, it joins over thirty states (at this writing) with such laws on the books. If you are reading this from the United States, it is likely that a similar law applies to your area: half the country’s population is currently under the jurisdiction of a public-smoking regulation of some kind.

But the idea of a smoking ban passing the Nevada legislature seems almost like a kind of spiritual defeat for cigar smokers: after all, what could more epitomize “cigar cool” than the mental image of Frank Sinatra’s Rat Pack, cigars and drinks in hand, finger-popping their ways through the floor of a Vegas casino?

It just symbolizes a fact that’s made passionate smokers’ lives a little more difficult over the past decade: in the interest of public health (and out of consideration for asthmatics and others), more and more city councils and state legislatures are choosing to ban public smoking outright, or are limiting it to certain licensed facilities.

Arguments about the effectiveness or appropriateness of these bans to one side, we can all agree that they mean that smokers have to put a little more energy into planning vacations. For a person who loves the taste of a good cigar, for whom relaxation doesn’t become meaningful until there’s a stogie involved, there’s no point in a vacation where you can’t even smoke in your hotel room. With smoking bans underway in Atlantic City (and this ban extends to casinos) and similar one-time bastions of cigar culture, frustrated cigar smokers are turning to a new option: the cruise ship.

And why not? Cruise ship vacations offer the ultimate chance to “get away from it all,” a continuous expanse of blue water, and the opportunity to meet interesting people from all over the country (and world). Few cruises are completely smoke-free, with most offering, at the very least, designated smoking areas that might include cigar bars or lounges. So it’s hard to go completely wrong – wherever you book your passage, you’ll almost always have at least some chance to smoke.

More and more luxury cruise lines don’t allow smoking in living quarters – that’s one downfall. After all, the next person using your room might be a nonsmoker, and it doesn’t make economic sense for cruise ship directors to designate permanent “smoking” and “nonsmoking” rooms; such a move would involve logistical nightmares during booking. But luxury quarters often include balconies, where smoking is sometimes still allowed.

The recent case of a cruise line headquartered in Fort Lauderdale, Florida gives smokers an indication of what they can expect. The cruise line, according to some reports, lost millions in bookings after instituting a partial smoking ban in 2007. But compared to those bans that have caused smokers such dismay in Atlantic City and Ottawa, the Florida-based cruise line’s smoking ban doesn’t even apply to the on-ship bars and casinos.

Indeed, the cruise ship industry seems to be following the opposite track of most US states and municipalities – as they grow more restrictive toward smoking, cruise lines are growing more permissive. One completely smoke-free cruise ship line went out of business awhile ago; another once-smokeless line changed its policies to allow some smoking on the boat.

Smokers will likely want to evaluate cruise line policies prior to booking as there are has examples of ships with almost smoke-free policies. Smoking on such lines may only be permitted in two designated areas – and if you light up anywhere else, you could be kicked off the boat! (That presumably doesn’t mean you’ll be forced to walk the plank, but it’s probably not worth finding out.)

Another rule of thumb mentioned by several travel writers: if you’re looking for company as you smoke, go for a cruise line with a high number of European and Asian clientele. Citizens of many of these countries often still smoke in higher numbers than do contemporary Americans, and there is a Spain-based cruise line that currently sports the least restrictive smoking policy out there.