Regarding the first question:
- The contacts on my iPhone right now, due to the connection with iCloud, are numbers that came from the iCloud account (which, unfortunately is my husband's account - I didn't realize it). Although we have some of the same people on our contacts, his, of course, contains his business contacts as well. Before the connection, my contacts were my social contacts and my business contacts. It looks like that not all my contacts from before the iCloud connection are there as some are missing and all of them have missing punctuation marks. All my photos that were on the contacts of the people are missing as well.
- I will have to check and see if my contacts are on the iCloud account also. Haven't checked that yet.
By the way, this all happened when I loaded the i06 update. That's when it asked me if I wanted to store it on iCloud. And when I clicked on it, everything changed on my contacts.