Only three of the four could be counted. On the published terms that means three processing fees of fifteen thousand United States dollars each, forty-five thousand in total and none of it refundable, followed after vetting by three gifts of one million each, three million in total. The twenty-two-year-old is excluded from that arithmetic entirely.
Do the multiplication before the conversation goes any further
Setting the figures out this way usually ends or transforms the discussion within minutes, which is its purpose. The processing fees are spent whatever the outcome, so the household should be comfortable treating forty-five thousand United States dollars as gone before knowing anything. The gifts are transferred outright, so unlike an investment there is no asset afterwards, no return and nothing to sell.
A corporate sponsor making the gift on someone’s behalf does so in the published amount of two million rather than one. Hypothetical example: routing it through Ghislain’s aggregates company would therefore be no saving, and it carries its own corporate and tax questions in both countries. None of these figures should be relied on from this page: they are the published amounts as described, and they must be re-verified from the official source before anything is authorised, because the government that sets them can revise them.