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Thirty-five of the 84 points sit here, at five points a person. But the term does not mean what the everyday word means, and counting the people you live with will be wrong.

32 points for years without a home, 35 for dependents, 17 for the account. The arithmetic is not the hard part — which day the count starts, and who counts, are.

1.5M won each. The 1M-won income and age rules, plus avoiding sibling double-claims — with cases.