One question I need clarification on. We have the UDP for an upcoming cruise and we are wondering how it is used at a speciality restaurant. Let's say we go to Playmakers and we each have $20/day to use. Does the $40 come off the total bill or is each person charged separately? So if I buy $26 worth of food and my spouse only buys $12 worth of food are we covered, are will I be charges $4 for going over my $20 daily limit?