AF Renewals w/gifts in both Indiv&HH records

So by general rule we have been entering any gifts or ticketing into household records when they exist. My question is.

If Jane Smith gives a gift of $10 and Tom Smith gives a gift of $20 and Jane & Tom Smith give a joint gift of $50 all in the same year, how will that effect my Annual Fund Renewals? We renew once a year based on their total annual giving, adjusting so under Recog. Amt under memberships. If I want to continue to do it this way, will I need to enter any gifts no matter if it came from just Jane for instance, into the household record, so in this example, I send my renewal to Jane and Tom's household for $80?

My assumption is if I enter three separate gifts, one under Jane, one under Tom, and one under Jane&Tom, that it will create three separate memberships, and thus three separate annual renewals?

Thanks,
Heather

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