This is really annoying.

Account has 113k points. Want to redeem for 3 nights at IC SF. The options are 45k, 40k+35$ and 35k+70$.

Using the last option would mean 105k points + 210$. WRONG. I cannot book, because the booking engine says "you need to have 135k points" [ie 3x45k]

IHG IT at its best - again!