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If it makes it any easier to get your head around, I should note that nursery fees don't get adjusted when nursery is closed (for example over Xmas) - you just have to think that really the actual daily rate is higher and its just equalised over the year! Agree with other posters -its kind of up to the childminder as to how they present it though - so some will specify paid hols and some not and its just part of the weighing up options decision.

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