40. The total of an applicant’s income or, if the applicant is a member of a family, the family’s income and the income of any person which that person is treated as possessing under paragraph 30(3) (calculation of income and capital: applicant’s family and polygamous marriages) to be disregarded under paragraph 74(2)(b) and paragraph 75(1)(d) of this scheme (calculation of covenant income where a contribution assessed, covenant income where no grant income or no contribution is assessed), paragraph 78(2) of this scheme (treatment of student loans), paragraph 78(3) of this scheme (treatment of payments from access funds) and paragraphs 20 and 21 of this Schedule is in no case to exceed £20 per week.