Hi everyone. Wondering if anyone has some insight. I live in Maui and we're getting married here in August. My catering company charges a 20% service fee applied to the food. The invoice also has separate charges for the servers, chefs, and captain. I would think that the 20% was for gratuities; however, at the bottom of the invoice there's a note stating "gratuities are at the hosts' discretion and are not included in the service fee." Am I expected to tip on top of the service fee? If so, what is the service fee for? Mahalo for your help.