A spouse and each unmarried child under twenty-one, and each of them carries a further nonrefundable processing fee and a further US$1 million gift. A child who has already turned twenty-one is outside that description, and no additional payment changes that fact.
Every person carries their own payment
This is the point at which household arithmetic becomes decisive, because the amounts scale by person rather than by family. A couple with two qualifying children is contemplating four processing fees and, on the individual route, four separate gifts of US$1 million each. Write that out in full before any other discussion, since the total frequently changes what the family is prepared to consider. Ages should be recorded to the day and measured against the expected stages, because a child close to twenty-one may cross the line during the process, and the framework’s own terms on that point should be read on the official materials rather than assumed from other categories.
Hypothetical example: a family of four from Roxton Pond, with children aged twelve and twenty, prices the framework properly for the first time. The younger child is comfortably within the description. The elder child’s eligibility is time-limited and the family needs a specific answer about how the age is measured in this programme. Having the full total on one page also lets them compare it honestly against other routes, which is a more useful conversation than any discussion of relative speed.