A lot can go wrong when traveling, prompting consumers to balance risks and rewards when planning a trip, said William A. Maloney, chief operating officer of ASTA. "If you are going to spend a lot of money on a vacation, use a professional," Maloney said. He compares trip planning with filing taxes. "If you've got $100 in income to report, fill out the form yourself, but if you've got a million dollars, use a professional, for Pete's sake," he said.

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