he adds that it is critical that the primary caregiver, who actually cares for the child on a daytoday basis, is the registered beneficiary.

uphinde wathi kubaluleke kakhulu ukuthi umnakekeli womntwana, okunguyena ngempela onakekela umntwana nsuku zonke, kube nguyena obhaliswe ukuthola le mali ngokusemthethweni.
