For RESPs for the Canada education savings grant, there can be multiple accounts open—by a grandparent, let's say, or an aunt or uncle, or a spouse—but the amount of the grant doesn't multiply. There's only a certain amount for each child. We monitor that through the systems we have. For the Canada learning bond, either the primary caregiver or the common-law partner will have to indicate one RESP that the Canada learning bond can go into.
The rules are a little bit different for both, but we make sure that we do not overpay the amounts of the grant or the bond.