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

o tlaleletša ka gore go bohlokwa gore mohlokomedi wa ngwana, e lego yena a hlokomelago ngwana tšatši ka tšatši, e be moamogelatšhelete yoo a ngwadišitšwego.
