diff --git a/12-safety-net/12-01-child-education-income-lien.md b/12-safety-net/12-01-child-education-income-lien.md
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+# Children:
+
+This document outlines a program which provides interest-free loans
+
+Child or parent may apply for voucher program
+* Periodic reassessment of need.
+
+The voucher program is effectively a revolving line of credit which may only be used to pay schooling/tuition related expenses **directly** to a schooling institution. The program does **not** pay any funds into the hands of the child or the parent.
+
+All interest payments on the debt instrument are chargeable directly to the government, while the bond instrument remains chargeable to the parent/guardian (i.e, the parent/guardian is liable for the principal). This is in effect a zero-interest loan to the parents.
+
+## Vouchers for schooling:
+
diff --git a/12-safety-net/12-01-parental-income-lien.md b/12-safety-net/12-01-parental-income-lien.md
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-# Children:
-