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1-5 (oo) “Fraud” is documented deliberate misrepresentation, concealment or nondisclosure of information by an applicant, recipient, or provider pertaining to an eligibility or billing factor: (i) To obtain assistance or provider payment; (ii) To remain eligible for assistance or provider payments; (iii) To avoid a decrease in assistance or provider payment; or (iv) For obtaining payment for services that were not rendered. (pp) “Full day” is five (5) or more hours of child care in a day. (qq) “Garnishment” is a legal withholding of a specified sum from wages to satisfy a creditor. (rr) “Guardian” is an individual appointed by the court to care for a person as reflected in a court order specifying the guardianship. (ss) “Household (HH)” refers to one (1) or more rooms of a house, apartment or mobile home and may include one (1) or more assistance units and/or ineligible person(s). (tt) “Household circumstances” are situations that could have an effect on one (1) of the eligibility factors. (uu) “Immediate family” are the minor brothers, sisters, stepbrothers, stepsisters, half- brothers and half-sisters who live together with their caretaker(s) in the same residence. Immediate family is used to determine assistance unit composition and whether the provider selected by the assistance unit needs to be licensed. (vv) “Income” is money received from any source. (i) Countable income - the total of gross earned income less allowable earned income disregards and gross unearned income expected or received by the assistance unit for a specified month and includes child support received by the applicant or recipient. (ii) Earned income - a payment received in cash or in-kind for wages, salary, tips, commissions as an employee or net profit from activities in which the individual is engaged as self- employed. It is the total income before deductions for personal or employment expenses and excludes the meal allowance used to compute Federal Insurance Contribution Act (FICA). (iii) Exempt income - money set aside or free from program policy or limits and is not counted. (iv) Fluctuating income - income that varies in frequency of receipt or income that varies in amount each month due to: