Forgive me if the answers to these are staring me right in the face somewhere.... We just got back on Friday and I am very intrigued by DVC. I'm in the beginning stages of my research, but I have two hopefully basic questions: 1. Let's say we buy a contract of 75-100 points and the week we want to go requires 150 points (for example). Can we apply our 100 point contract and then pay the balance in cash? I know you can borrow from next year's points, but if we didn't want to do that, can you split the tender between points and cash or is that not an option? I think I read you can rent points from someone else to make up the difference instead? 2. For people with multiple contracts, how does that work? If I have a contract for 100 points at BWV and 50 points at VWL, can I put those points together for a stay using 150 points somewhere? If we want to do a 150 point stay at BWV, would we have to wait until the 7 month mark to book since not all of the points would be at BWV? Whats the benefit to owning smaller contracts at various resorts? Thanks all!