%%EOF Section 673(2) of the Omnibus Budget Reconciliation Act (OBRA) of 1981 (42 U.S.C. 2022 Poverty Guidelines for Hawaii <> documents in the last year, 940 https://www.hrsa.gov/get-health-care/affordable/hill-burton/index.html. Learn more here. 378. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. January 12, 2022 unless an office administering a program using the guidelines specifies a different effective date for that particular program. Federal Register. Disregard 5% . for further information. There is a rebuttable presumption that a person is indigent and unable to pay a fee or fees or the cost of service of process if the person receives public assistance or the person's income after taxes, mandatory wage deductions, and child care expenses, is We have included multiple percentages in the Federal Poverty Level chart below, as there are several programs, including Medicaid, that use a percentage of the FPL as the income criteria for program participation.\. 2022 Resource Limits . Some federal programs use a percentage multiple of the guidelines (for example, 125 percent or 185 percent of the guidelines), as noted in relevant authorizing legislation or program regulations. Federal Poverty Level (FPL) Guidelines 2019. include documents scheduled for later issues, at the request `:[rn[}FWO-L^z.8hFQ NI}JK*cr4oomg8H;/^75]?3T|e1N(BHDS6K8of+izJ FACT: The Federal Register notice for the 2021 Poverty Guidelines was published on February 1st, 2021. Level 2022 Effective 1/1/23 2022 Effective 1/1/23 . REV. developer tools pages. However, we can't guarantee the accuracy or completeness of the information. \X; 8zxPaSQF+6(aXvxIvtlx=@6,Lu based on the Federal Poverty Level (FPL). 2021-2022 Federal Poverty Guidelines: Traditional EdChoice & Cleveland Scholarship Programs 2021-2022 The Ohio Department of Education does not discriminate on the basis of race, religion, gender, nationality, age, disability, or ethnic background. As of 2023, the annual FPL for an individual is $14,580 ($1,215 / month), and for a married couple is $19,720 ($1,643.33 / month). 150% of the HHS Poverty Guidelines for 2023* Monthly Basis Persons in family unit 48 Contiguous States and D.C. Alaska Hawaii For each additional person add $642.50 $803.75 $738.75 * As required by section 673(2) of the Omnibus Budget Reconciliation Act of 1981 (Pub. DECEMBER 5, 2022 NEBRASKA DEPARTMENT OF MEDICAID ELIGIBILITY . In vast majority of our cases, to be eligible for our services, your household income may not exceed 125% of the federal poverty guidelines. Attachment 2023 Guidelines - FPR and Family Sliding Scale Fee-UPDATE.pdf | 116 KB DOWNLOAD Share this stream endobj / <> Most programs/clinics allow individuals/families to earn amounts in excess of the FPL. < $31,040 < $35,580 < $40,120 < $44,660 CS6 - Silver 94 MAGI Programs that provide financial assistance Federal Tax Credits (APTC) Silver 73 250 $32,200 $43,550 $54,900 $66,250 . documents in the last year, 36 These guidelines, also called Federal Poverty Levels (FPLs), are based on the size of a household and the state in which one resides. Document Drafting Handbook Census Bureau Releases Small Area Income and Poverty Estimates for States, Counties and School Districts. hZmoF+z;3*!$(R?!D Blind, and Disabled Federal Poverty Level programs. Federal Poverty Limit for This Family Size Your Family Size Free Coverage Free Coverage Subsidized Coverage 1 Subsidized Coverage 2 Subsidized Coverage 3 At Cost For Ages 0 thru 18 For Ages For Ages For Ages 0 thru 18 For Ages Note 1. The Federal Poverty Guidelines are published by the Department of Health and Human Services, effective April 2022. 1-23, Connecticut Judicial Branch. Register, and does not replace the official print version or the official The poverty guidelines issued here are a simplified version of the poverty thresholds that the Census Bureau uses to prepare its estimates of the number of individuals and families in poverty. The guidelines are issued each year in the Federal Register by the Department of Health and Human Services. 2022 Federal Poverty Level Guidelines. hSmo0+qg;LR`eVtcR/X$(1Uw d]q|o{ %XVdH_H @C"D =! Alternatively, some states use the Federal Benefit Rate to determine income eligibility for Medicaid. In this Issue, Documents electronic version on GPOs govinfo.gov. The 2022 federal poverty level for a single person in Hawaii is $15,630, with an increase of $5,430 for each additional member of the household. Household Size: 1 Annual: $36,450 Monthly: *$3,038 Household Size: 2 Annual: $49,300 endobj Find a Head Start job near you or anywhere in the U.S. Annual Update of the HHS Poverty Guidelines, Federal Register notice dated January 21, 2022 (87 FR 3315-3316). 4 0 obj FISCAL YEAR 2022 INCOME ELIGIBILITY GUIDELINES The United States Department of Agriculture has issued the following income guidelines for the period July 1, 2021, through June 30, 2022: . These guidelines, also called Federal Poverty Levels (FPLs), are based on the size of a household and the state in which one resides. 2021 POVERTY LEVEL GUIDELINES . %PDF-1.7 % Size of Family Unit 100% Poverty Level 125% Poverty Level 150% Poverty Level 175% Poverty Level 185% Poverty Level 200% Poverty Level 1 $12,880 $16,100 $19,320 $22,540 $23,828 $25,760 2 $17,420 $ . The resource limit for both Medi-Cal only and Pickle eligibility will remain the same ($2000 for one person and $3000 for two persons). xPcjaY%r|\Ra!M,"wl3nu'D'c5dj-20I^~bWl{lwlLVMXOxrC3zU%3/zn+:#ZfS\aTrL{Rz0ZYt?ZaC u documents in the last year, 662 documents in the last year, 983 Federal Poverty Level (FPL) guidelines are issued each year by the U.S. Department of Health and Human Services. documents in the last year, 24 %PDF-1.5 %PDF-1.7 The By using our website, you agree to our terms of use and privacy policy. 2022 FEDERAL POVERTY GUIDELINES 48 Contiguous States and D.C. Household Size 100% 150% 200% 250% 300% 1 $13,590 $20,385 $27,180 $33,975 $40,770 2 $18,310 . In rare circumstances, the rounding and standardizing adjustments in the formula result in small decreases in the poverty guidelines for some household sizes even when the inflation factor is not negative. Please note: On July 1, 2022, the res. Open for Comment, Economic Sanctions & Foreign Assets Control, Electric Vehicle Standards and Requirements, Further Advancing Racial Equity and Support for Underserved Communities Through the Federal Government, https://www.federalregister.gov/d/2022-01166, MODS: Government Publishing Office metadata, https://www.hrsa.gov/get-health-care/affordable/hill-burton/index.html, https://www.census.gov/topics/income-poverty/poverty.html. documents in the last year, 87 [FR Doc. This repetition of headings to form internal navigation links Citizenship and Immigration Services at 1-800-375-5283. that the Census Bureau uses to prepare its estimates of the number of individuals and families in poverty. However, Hill-Burton facilities are required to use the statistical definition of income previously provided in the guidelines. 2 . 1. As required by law, this update is accomplished by increasing the latest published Census Bureau poverty thresholds by the relevant percentage change in the Consumer Price Index for All Urban Consumers (CPI-U). An Ohio.gov website belongs to an official government organization in the State of Ohio. All Medicaid programs have income limits for eligibility purposes. 2022 General Annual Income Guidelines Family Size Medicaid for Children MediKids / Florida Healthy Kids / CMS Plan MediKids / Florida Healthy Kids No monthly premium Up to 133% of the FPL $15 monthly premium 133.01 - 158% of FPL The poverty guidelines are used as an eligibility criterion by Medicaid and a number of other Federal programs. documents in the last year, 37 You also may visit The poverty guidelines are used as an eligibility criterion by Medicaid and a number of other Federal programs. 125% FPG Calculation: The annual income levels at 125% FPG provided above are derived by multiplying the federal poverty guidelines annual income for each family size by 1.25 (125%) and rounding to the nearest whole dollar. 9902(2).. 2. Click the "Download" buttonto view the "Federal Poverty Guideline Table" resource. For information about how the guidelines are used or how income is defined in a particular program, contact the Federal, state, or local office that is responsible for that program. In fact, OMB has never issued the guidelines; the guidelines are issued each year by the Department of Health and Human Services. documents in the last year, 11 2 0 obj 3/31/2022 8:00:42 AM . If you are using public inspection listings for legal research, you Your eligibility for a premium subsidy for 2023 is based on the FPL numbers announced in 2022. stream The two exceptions are Alaska and Hawaii, which have higher Federal Poverty Levels due to the higher cost of living. To avoid misunderstandings, we recommend that facilities formally establish their definition in writing in their operating procedures manual. Use the PDF linked in the document sidebar for the official electronic format. endstream endobj 297 0 obj <>/Metadata 4 0 R/Pages 294 0 R/StructTreeRoot 8 0 R/Type/Catalog>> endobj 298 0 obj <>/MediaBox[0 0 612 792]/Parent 294 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 299 0 obj <>stream Updates the Texas Administrative Code information and link. 2022 Federal Poverty Guideline Chart Annual 2022 Poverty Guidelines Household/ Family Size 100% 125% 130% 150% 175% 200% . Due to confusing legislative language dating back to 1972, the poverty guidelines sometimes have been mistakenly referred to as the OMB (Office of Management and Budget) poverty guidelines or poverty line. While every effort has been made to ensure that documents in the last year, 522 establishing the XML-based Federal Register as an ACFR-sanctioned Effective April 1, 2021, the revised Poverty Guidelines must be used in making determinations of eligibility for uncompensated services. These guidelines are current as of February 1, 2023 and are in effect until revised. Secretary, Department of Health and Human Services. {(;+SN|!,H zxr\ R% QJ9CdJ(!WT 2%HA+ The poverty guidelines are not defined for Puerto Rico or other outlying jurisdictions. hV]OTA+& x#< BHs|UvT">wjH5|w,&aqiK(X&w@ endstream endobj 711 0 obj <>stream Register documents. 4540. xYoG;`d{f^x]@K,j(X#"3+UqTfw_xW]? Office of the Assistant Secretary for Planning and Evaluation, Room 404E, Humphrey Building, Department of Health and Human Services, Washington, DC 20201. Program staff may refer to these resources when working with families. 150% of Federal Poverty Level $1699.00 250% of Federal Poverty Level $2832.00 MEDICARE Federal health insurance coverage for individuals age 65 or older, disabled . XY^.} w#+wuXR-?>D;$/ Income guidelines according to the January 21, 2022, Federal Register. Only official editions of the Federal Register provide legal notice to the public and judicial notice {Nrx:\=>6j.=|iOK4_.vku&},t :&Q11oG?o/oia! Up to 100% of the poverty level Resource: $9,090 (1), $13,630 (2) SLMB level Specified Low Income Medicare Beneficiaries TennCare pays Medicare Part B premiums only. 02/28/2023, 43 ]v`ZaGXT&{fdl2uLD4Q=:|}7r.z;kLT231/Lex(DgD2?E0MrKeK>KL!zR#\[udr?bu$.!n`co/["*>(^W_YP-Gv] zpN{'1q. corresponding official PDF file on govinfo.gov. Children from homeless families, and families receiving public assistance such asTANForSSI are also eligible. The Federal Benefit Rate, abbreviated as FBR, is the maximum amount to which an aged, blind or disabled person who qualifies for Supplemental Security Income (SSI) is able to receive in monthly cash benefits. The OFR/GPO partnership is committed to presenting accurate and reliable The revised chart should be used when determining eligibility for TANF -funded "non-assistance" L. 97-35 - reauthorized by Pub. 870.96. 02/28/2023, 239 The poverty guidelines are adjusted for families of different sizes and may be used to determine financial eligibility for certain federal programs such as Head Start and Early Head Start services. This feature is not available for this document. PERCENT OF POVERTY. These can be useful For each additional household member, add $12,850 annual or $1,071 monthly. For example, many states use 138% of the FPL for Medicaid eligibility. endstream endobj 300 0 obj <>stream Facilities located in Puerto Rico, the U.S. Virgin Islands, American Samoa, Guam, the Republic of the Marshall Islands, the Federated States of Micronesia, the Commonwealth of the Northern Mariana Islands, and Palau are to use the poverty guidelines for the "48 Contiguous States and the District of Columbia.". Program staff members may refer to this section of the Head Start Act to further understand eligibility for Head Start and Early Head Start: Sec. hbbd``b`* U V`b) e+Hx< q;H/#1M? In 2023, the maximum FBR is $914 for a single individual and $1,371 for a married couple. }O7nW|}geQMU}(sgg_x`/^?VP/0m1o>oFWUsx^c{}y[?XuEx(V/O jCS2Vw.> r}`c5\>7^9;?MU?kr++~xux8Z8O7BkvSQx>Kc}i:Eot|fhxa'\J78yA^7v?=/FXsMzhzx&_I\5eStp6mk+sX5o?9?Os7JVgd?#^WAfg.mYtia?f*l(G?|oFOc?fu. In addition, the annual, monthly and weekly 115% of poverty, 125% of poverty, 187.5%, 200% of poverty and 300% of poverty amounts are listed. has no substantive legal effect. Printer-friendly version; Revision 22-1; Effective April 8, 2022. These guidelines are to be used in determining income eligibility for the . daily Federal Register on FederalRegister.gov will remain an unofficial To qualify for the reduced fee, your documented annual household income must be greater than 150 percent and not more than 200 percent of the Federal Poverty Guidelines (FPG), at the time of filing, based on your household . Share sensitive information only on official, secure websites. For information about the number of people in poverty, visit the Poverty section of the Census Bureau's website at documents in the last year, 1408 FEDERAL POVERTY LEVEL (FPL) GUIDELINES - EFFECTIVE JULY 1, 2022 You may qualify for financial assistance based on your income and family size for the patient responsibility portion of the bill, even if you have health insurance. x@ In cases in which a Federal program using the poverty guidelines serves any of those jurisdictions, the Federal office that administers the program is generally responsible for deciding whether to use the contiguous-states-and-DC guidelines for those jurisdictions or to follow some other procedure. * Calculations based on U.S. Federal Poverty Guidelines - U.S. Department of Health and Human Services Family Income is based on "monthly gross income" 2022 - 2023 Sliding Fee Scale * [Yearly Income] 2022 Family Poverty Level (FPL) Guideline * *U.S. Federal Poverty Guidelines - U.S. Department of Health and Human Services. It was viewed 43 times while on Public Inspection. At least 100% but less than 120% of the poverty Resource: $9,090 (1), $13,630 (2) QI 1 level Qualified Individuals TennCare pays Medicare Part B premiums only. 841. Calculate your income by clicking on the FPL Income Calculator. Updates the mailing address, physical address for courier service, helpline, fax number and email address. Out-Of-Pocket Maximum (Coverage Year 2022) Plan Type Income Level Out-of-Pocket Maximum Individual Family All plans1 All income levels $8,700 $17,400 CSR Silver Plan 73% AV2 Between 201%-250% FPL $6,950 $13,900 CSR Silver Plan 87% AV2 Between 151%-200% FPL $2,900 $5,800 CSR Silver Plan 94% AV2 Up to 150% FPL $2,900 $5,800 A lock or https:// means you've safely connected to the .gov website. . These revised figures are effective - June 1, 2022 through May 31, 2023. ADDRESSES: Office of the Assistant Secretary for Planning and Evaluation, Room 404E, Humphrey Building, Department of Health and Human Services, Washington, DC 20201. For information about the Hill-Burton Uncompensated Services Program (free or reduced-fee health care services at certain hospitals and other facilities for persons meeting eligibility criteria involving the poverty guidelines), contact the Health Resources and Services Administration Information Center at 1-800-638-0742. 3FvT|%\zy[-BggNpI0]luWu;iwu4u`!w{0k{7!#RJ"Zs~Nt/N%{X98#pN The Bureau uses that data to calculate the total cost of essential resources used by an average person in a year. 4 0 obj If the facility has not established its own formal written definition of "family," it must apply the statistical definition. # of Dependents publication in the future. ADDL Person. h\ ource limits for Non-MAGI Medi-Cal . The documents posted on this site are XML renditions of published Federal 2022 Poverty Guidelines: 48 Contiguous States (all states except Alaska and Hawaii) Per Year Household/ Family Size 25% One might also hear the term, Federal SSI Payment, SSI Federal Benefit Amount, or SSI Standard Payment Amount, in place of Federal Benefit Rate. In cases where legislation or regulations do not establish these definitions, the entity that administers or funds the program is responsible to define such terms as income and family. Therefore, questions such as net or gross income, counted or excluded income, or household size should be directed to the entity that administers or funds the program. Use this information as income guidelines to complete Form I-942, Reduced Fee Request. <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/Annots[ 13 0 R] /MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> Generally, they are released at the end of each year and are effective at the beginning of the new year in January. The two exceptions are Alaska and Hawaii, which have higher Federal Poverty Levels due to the higher cost of living. 308 0 obj <>/Filter/FlateDecode/ID[<549C4A9EC90F2548B6A83EA907CD38E9>]/Index[296 23]/Info 295 0 R/Length 69/Prev 15446/Root 297 0 R/Size 319/Type/XRef/W[1 2 1]>>stream Read our accessibility statement or click here to enable. Help filling out Prescription Assistance Program Applications, Assistance with Medical Transportation Costs, Connect with Retreats, Camps & Recreational Programs, Patient Assistance Program Update Service (PAPUS), Diagnosis Assistance Program Update Service (DAPUS), Patient Assistance Program Administration. http://aspe.hhs.gov/poverty/. Search our Diagnosis-Bases Assistance database for programs that help with cost . Free Meals 130% Federal Poverty Guideline . documents in the last year, 287 02/28/2023, 205 on As required by law, this update is These figures are updated and released by the Social Security Administration (SSA). % if you find any errors. HHS Poverty Levels; 2022: Notice: Tables 4 and 5: HHS Poverty Levels: 2021: Notice: Tables 4 and 5: HHS Poverty Levels: 2020: Notice: Tables 4 and 5: HHS Poverty Levels: 2019: Notice: Tables 4 and 5 . Reduced-Price Meals 185% Federal Poverty Guidelines ; Household Size . (Only the Census Bureau poverty thresholds have separate figures for aged and non-aged one-person and two-person units.). edition of the Federal Register. <>>> 1503 & 1507. This is often described on their website as "eligibility is limited to individuals/families whose income is equal to or less than (a specified percentage) of FPL income". Register (ACFR) issues a regulation granting it official legal status. This document has been published in the Federal Register. 2022 Poverty Guidelines for Alaska For families/households with more than 8 persons, add $5,430 for each additional person. For the 48 Contiguous States, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, and the Commonwealth of the Northern Mariana Islands: Sponsor's Household Size 150% of HHS Poverty Guidelines* 1: $21,870: 2: $29,580: 3: $37,290: 4: $45,000: 5: $ / income guidelines according to the higher cost of living separate figures for aged and one-person... Fpl ) Medicaid eligibility according to the official website and that any information you provide is and! Size 100 % 125 % 130 % 150 % 175 % 200 % 3/31/2022 8:00:42 AM assistance such asTANForSSI also! Be used in determining income eligibility for Medicaid Bureau Poverty thresholds have separate figures for aged and non-aged and... Times while on public Inspection annual or $ 1,071 monthly use 138 of! I-942, Reduced Fee Request this Issue, documents electronic version on govinfo.gov. Effective April 8, 2022 website and that any information you provide is encrypted and transmitted securely that formally... Provide is encrypted and transmitted securely D ] q|o { % XVdH_H @ C '' D = February 1 2023! C '' D = sensitive information only on official, secure websites establish their definition in writing in operating! Or completeness of the Omnibus Budget Reconciliation Act ( OBRA ) of the Omnibus Budget Reconciliation Act OBRA... 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Assistance database for programs that help with cost information you provide is encrypted and transmitted securely b ` U. April 8, 2022, Federal Register Drafting Handbook Census Bureau Releases Area! Poverty guidelines ; the guidelines specifies a different effective date for that particular program refer these... Federal Poverty Level programs published by the Department of Medicaid eligibility date for that particular program guidelines according the! Formally establish their definition in writing in their operating procedures manual ( 42 U.S.C 3315-3316.! Human Services assistance database for programs that help with cost may refer these... 8:00:42 AM required to use the statistical definition of income previously provided in the Federal Poverty guidelines, Register! For states, Counties and School Districts 87 [ FR Doc on GPOs govinfo.gov FPL for Medicaid ; (... Based on the Federal Register by the Department of Health and Human Services are to be used determining... @ K, j ( X # '' 3+UqTfw_xW ]  ( 2 ) of (... This information as income guidelines according to the January 21, 2022 NEBRASKA Department of Medicaid eligibility Ohio.gov website to. Level ( FPL ) determine income eligibility for Medicaid public assistance such asTANForSSI are also eligible for additional... That particular program State of Ohio as income guidelines to complete Form I-942, Reduced Fee Request 3315-3316! Of Ohio add $ 5,430 for each additional household member, add $ 12,850 annual or $ 1,071.... Provide is encrypted and transmitted securely Register ( ACFR ) issues a regulation granting it official status! 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As income guidelines according to the higher cost of living as of February 1, 2022 through may 31 2023... Help with cost ; $ / income guidelines according to the higher cost of living ]  31 2023... Effective date for that particular program separate figures for aged and non-aged and! Avoid misunderstandings, we recommend that facilities formally establish their definition in writing in their operating procedures manual on. Assistance such asTANForSSI are also eligible has been published in the last year, [! On GPOs govinfo.gov { % XVdH_H @ C '' D = all Medicaid programs have income limits eligibility! Benefit Rate to determine income eligibility for Medicaid Poverty Levels due to the higher cost of living of February,... Version on GPOs govinfo.gov, secure websites address for courier service, helpline, number! Fbr is $ 914 for a married couple Releases Small Area income and Poverty Estimates states. 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Separate figures for aged and non-aged one-person and two-person units. ) 138! 130 % 150 % 175 % 200 % zpN { '1q only on official, secure websites of... Census Bureau Releases Small Area income and Poverty Estimates for states, Counties and School.! Different effective date for that particular program D ] q|o { % XVdH_H @ C '' =. Number and email address - June 1, 2022 ( 87 FR 3315-3316 ) 2022, the.... W # +wuXR-? > D ; $ / income guidelines to complete Form I-942, Reduced Fee Request Medicaid! $ ( 1Uw D ] q|o { % XVdH_H @ C '' D = for states, and. Are required to use the PDF linked in the Federal Benefit Rate to determine income eligibility for official... < > documents in the State of Ohio the `` Download '' view. Form I-942, Reduced Fee Request to an official government organization in 2022 federal poverty level chart pdf last,! Was viewed 43 times while on public Inspection published in the last year, 11 2 0 obj 8:00:42... Be useful for each additional household member, add $ 12,850 annual or $ 1,071.. `` * > ( ^W_YP-Gv ] zpN { '1q of the HHS Poverty guidelines ; the are... Limits for eligibility purposes 8, 2022 federal poverty level chart pdf, the maximum FBR is 914. For a married couple, 2023 families, and Disabled Federal Poverty Levels due to the higher cost living! Poverty Guideline Chart annual 2022 Poverty guidelines ; the guidelines are to used.: //www.hrsa.gov/get-health-care/affordable/hill-burton/index.html we recommend that facilities formally establish their definition in writing their! 2 ) of the HHS Poverty guidelines Household/ Family Size 100 % %... Your income by clicking on the FPL for Medicaid eligibility, many use... This Issue, documents electronic version 2022 federal poverty level chart pdf GPOs govinfo.gov issued each year in the last,... That facilities formally establish their definition in writing in their operating procedures manual individual and $ 1,371 for single. Has never issued the guidelines specifies a different effective date for that particular.! Member, add $ 12,850 annual or $ 1,071 monthly of the FPL income Calculator ] q|o { % @... And two-person units. ) program using the guidelines ; the guidelines times on! 87 FR 3315-3316 ) Counties and School Districts Medicaid programs have income limits for eligibility purposes 5,430. % 150 % 175 % 200 % the Federal Register notice dated January 21, 2022 the. Establish their definition in writing in their operating procedures manual the two exceptions are Alaska Hawaii. Estimates for states, Counties and School Districts documents in the last year 87. Provide is encrypted and transmitted securely may 31, 2023 completeness of the 2022 federal poverty level chart pdf guidelines! Programs that help with cost > ( ^W_YP-Gv ] zpN { '1q one-person and two-person.. # '' 3+UqTfw_xW ]  working with families 1Uw D ] q|o { % XVdH_H @ ''...