1. A point load is a load applied to a single point, while a distributed load spreads force across an area. Point loading can damage structures by concentrating stress at a single point. 2. Proper cargo loading and distribution of weight is important to avoid overloading decks and hatchcovers and prevent accidents. Heavy weights should be spread across the deck to not exceed strength limits. 3. Dunnage and lashing can be used to distribute heavy cargo loads evenly across a wide area to prevent point loading and ensure safe and effective cargo stowage onboard vessels.