I HAVE NOT USED THE DDP PLAN since my family was just my DH, myself and 3DD. Now we are a family of 7. We occasionally enjoy a TS meal but not every night. We enjoy the food court dinners. My question is: can you convert a TS credit into a QS meal? Is this financially stupid? Should I just get the 2 QS DDP and pay out of pocket for the occasional TS meal?