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First time cruising, tipping – how does it work?

Sailing on Carnival soon. It looks like Carnival will charge our S&S account $13 per day or so for gratuities (per person). We also have the CHEERS package that has 15% gratuities included. Beyond these included gratuities who and how much should we tip? Do some people not tip any more than what I listed above? Invariably someone will say “for service above and beyond” we should tip. What exactly is “above and beyond”? I know we should tip room service delivery and such. Should we leave $5 per day in cabin for housekeeping? Also, we will be visiting a

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