DVC just called to make sure I received all my paper work and to see if I have any questions. As we were talking, she told me to refer to the guide book, so as I am looking through my package I didn't get a guide book!!! This explains why I was so confused on all the info I received. I was wondering why they don't put all these questions I was asking in a book....figured every new member probably has the same or similar questions. They were very nice and apologetic and are sending one out right away. I love good service!