Shares of Norwegian Cruise Line Holdings Ltd (NCLH) and Royal Caribbean Cruises Ltd (RCL) are trading lower due to concerns about future rate hikes following the FOMC statement and lower-than-expected initial jobless claims data. The cruise industry relies heavily on borrowing for operations and fleet expansion, and potential interest rate hikes could increase borrowing costs and reduce profitability. Additionally, higher interest rates could lead to higher consumer debt payments, reducing discretionary spending on non-essential items like cruises.