How do you handle before-and-after-school kids overlap?

[betsy]

Some wee ones have older siblings who go to school. Do B&A kids under 10 years of age count in the ratio allowed by DNA? If so, that means lesser income. How do you handle that?

I was with an agency for a short time and they gave me three siblings with behavioral problems (been kicked out from other providers) - since they were stuck, they turned a blind eye even when they knew I was going over the ratio. There was about 2 hours after school that I had more than 5 children under 10.