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Cruising with children on today's modern ships is a fairytale come true, for both children and their adult guardians. The majority of cruise lines offer extensive children's programs, allowing mom and dad, or grandma and grandpa, time for themselves. But some cruise lines are very specific as to when, and what age a child must be, to travel on its ships.

Cruise line management is aware that more children are sailing these days and have made preparations for them. Many cruise lines have set aside special areas just for kids, similar to daycares, complete with climbing toys, a tiny kiddy pool and a large playroom filled with craft supplies, toys and games. Some offer video game systems and large arcade games, too.

Special cruise staffers (youth coordinators) are hired specifically for their ability to be with children. Like camp counselors, these kid coaches are gregarious and well-liked by the children left in their charge. Children are encouraged by staffers to take part in games and art projects. In some cases, they may partake in an entire theme, like pirates or medieval fantasies, complete with hats, face-paint, music and props.

Parents and grandparents will be pleased to note, that like a quality daycare, all security precautions are taken; no child is ever released to anyone but the guardian. In fact, many cruise lines offer a pager or walkie-talkie system so that no child is far from parental care.

When choosing a cruise ship, check what the median age of the passengers is because fewer children's programs will be available, if at all, on a ship catering to a majority of older travelers.

It's generally accepted that the Disney ships, like the "Mouse," offer the epitome in children's programs; that makes sense since Disney is a giant in the child-entertaining business.

Princess ships also have exemplary children's programs, especially on their longer cruises. But kids' programs vary widely from ship to ship, even within the same cruise line, so do your research, before booking your cruise.

Babysitter services are generally available onboard most cruise ships, for a fee; just check with your travel agent or study your cruise ship's web site before you book. But be aware that not all ships, like those in the Norwegian line, offer babysitting.

Here's a list of the cruise lines that regularly offer children's programs and childcare while at sea:

*CARNIVAL CRUISE LINE offers its Camp Carnival program for children ages 2 and up.

*CELEBRITY CRUISES has its X-Club for

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