ccr is half of your out of pocket expenses
if you get no child care benefit, you get half of your total bill paid
so if your bill is $20, you get $10 paid
tax time comes around, you get your ccb. the calculation says you should have received $2 per day
so your bill should have been $18, your CCR only $9
so you get your CCB of $2 for the day, but you should have received $1 less CCR, so all you'll get in the bank is the extra $1




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