{
  "title": "One World Gift: illustrative finance architecture",
  "as_of": "2026-09-21",
  "status": "Research and original proposal; no donor assets or commitments verified",
  "currency": "USD",
  "default_units": "billions unless field says otherwise",
  "base_case": {
    "annual_nominal_gift_billion": 1000,
    "years": 30,
    "total_nominal_gift_billion": 30000,
    "investment_return_assumed": 0,
    "donor_receipt_timing": "Funds must clear before any related binding commitment or cash release. Annual schedule does not specify intra-year calendar dates."
  },
  "present_value_convention": "At time zero, exactly 30 payments of 1 trillion at ends of years 1 through 30. Rates are illustrative constant nominal discount rates, not forecasts or achievable guaranteed returns.",
  "present_value": [
    {
      "discount_rate": 0,
      "present_value_trillion": 30.0
    },
    {
      "discount_rate": 0.02,
      "present_value_trillion": 22.3964555510044
    },
    {
      "discount_rate": 0.04,
      "present_value_trillion": 17.292033300664475
    },
    {
      "discount_rate": 0.06,
      "present_value_trillion": 13.764831151489414
    }
  ],
  "inflation_convention": "The first payment year is the price base; year 30 has 29 inflation intervals. Constant rates are illustrative, not forecasts of global project costs.",
  "inflation_sensitivity": [
    {
      "inflation_rate": 0.02,
      "year_30_real_payment_billion": 563.1123067595099,
      "thirty_year_real_total_trillion": 22.844384662024492,
      "indexed_nominal_total_trillion": 40.56807920516769,
      "indexed_year_30_payment_trillion": 1.7758446902974065
    },
    {
      "inflation_rate": 0.03,
      "year_30_real_payment_billion": 424.3463623013836,
      "thirty_year_real_total_trillion": 20.188454589953867,
      "indexed_nominal_total_trillion": 47.57541570632203,
      "indexed_year_30_payment_trillion": 2.356565506009381
    },
    {
      "inflation_rate": 0.04,
      "year_30_real_payment_billion": 320.6514146923572,
      "thirty_year_real_total_trillion": 17.983714632691054,
      "indexed_nominal_total_trillion": 56.08493775068848,
      "indexed_year_30_payment_trillion": 3.118651451949559
    }
  ],
  "annual_reference_allocations": [
    {
      "id": "water-sanitation",
      "name": "Water and sanitation",
      "annual_billion": 110,
      "share_pct": 11.0,
      "thirty_year_billion": 3300,
      "scope": "Reliable safe drinking water, sanitation, hygiene, catchment protection, maintenance and utility capability.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    },
    {
      "id": "food-agriculture",
      "name": "Food and agriculture",
      "annual_billion": 120,
      "share_pct": 12.0,
      "thirty_year_billion": 3600,
      "scope": "Nutrition, resilient smallholder agriculture, storage, food safety and reliable local supply chains.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    },
    {
      "id": "health",
      "name": "Health",
      "annual_billion": 190,
      "share_pct": 19.0,
      "thirty_year_billion": 5700,
      "scope": "Primary and referral care, medicines, workforce, surveillance, financial protection and resilient facilities.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    },
    {
      "id": "energy-air",
      "name": "Clean energy and air",
      "annual_billion": 140,
      "share_pct": 14.0,
      "thirty_year_billion": 4200,
      "scope": "Reliable electricity, grids and storage, clean cooking, industrial and household air-pollution reduction.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    },
    {
      "id": "education-science",
      "name": "Education and science",
      "annual_billion": 150,
      "share_pct": 15.0,
      "thirty_year_billion": 4500,
      "scope": "Early childhood through secondary and vocational learning, teachers, inclusion, research and connectivity for learning.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    },
    {
      "id": "places",
      "name": "Homes, income security & infrastructure",
      "annual_billion": 110,
      "share_pct": 11,
      "thirty_year_billion": 3300,
      "scope": "Plan $25B within this envelope for predictable, locally designed income support for poor households, children, disabled people and older people, linked to sustainable social protection systems. Use the remaining $85B to upgrade informal settlements without forced displacement; support safe affordable housing; repair access roads, transit, drainage and accessible public space; and provide affordable connectivity.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost",
      "suballocations": [
        {
          "name": "Predictable locally designed income support and sustainable social protection",
          "annual_billion": 25,
          "thirty_year_billion": 750
        },
        {
          "name": "Housing, access infrastructure and connectivity",
          "annual_billion": 85,
          "thirty_year_billion": 2550
        }
      ]
    },
    {
      "id": "climate-nature",
      "name": "Climate and nature",
      "annual_billion": 85,
      "share_pct": 8.5,
      "thirty_year_billion": 2550,
      "scope": "Adaptation, early warning, ecosystem protection, resilience and locally appropriate mitigation.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    },
    {
      "id": "institutions-civic",
      "name": "Local institutions and civic life",
      "annual_billion": 30,
      "share_pct": 3.0,
      "thirty_year_billion": 900,
      "scope": "Public-service institutions, participatory budgeting, legal access and voluntary pluralistic civic education; illustrative civic curriculum suballocation capped at 5, within this 30.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    },
    {
      "id": "humanitarian-displacement",
      "name": "Humanitarian and displacement response",
      "annual_billion": 40,
      "share_pct": 4.0,
      "thirty_year_billion": 1200,
      "scope": "Impartial emergency support, displaced people, host communities and recovery.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    },
    {
      "id": "assurance",
      "name": "Independent audit and evaluation",
      "annual_billion": 10,
      "share_pct": 1.0,
      "thirty_year_billion": 300,
      "scope": "Independent verification, audit, open financial reporting, evaluation and grievance-system oversight.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    },
    {
      "id": "contingency",
      "name": "Contingency reserve",
      "annual_billion": 15,
      "share_pct": 1.5,
      "thirty_year_billion": 450,
      "scope": "Unallocated planning headroom for shocks; once deployed, reclassify spending to the benefiting sector without double counting.",
      "evidence_status": "Original planning allocation; not independently estimated universal-service cost"
    }
  ],
  "annual_schedule": [
    {
      "year": 1,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 700,
      "cash_release_billion": 350,
      "cumulative_deposits_billion": 1000,
      "cumulative_commitments_billion": 700,
      "cumulative_releases_billion": 350,
      "closing_cash_billion": 650,
      "unspent_committed_liabilities_billion": 350,
      "uncommitted_receipts_billion": 300
    },
    {
      "year": 2,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 850,
      "cash_release_billion": 550,
      "cumulative_deposits_billion": 2000,
      "cumulative_commitments_billion": 1550,
      "cumulative_releases_billion": 900,
      "closing_cash_billion": 1100,
      "unspent_committed_liabilities_billion": 650,
      "uncommitted_receipts_billion": 450
    },
    {
      "year": 3,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 750,
      "cumulative_deposits_billion": 3000,
      "cumulative_commitments_billion": 2550,
      "cumulative_releases_billion": 1650,
      "closing_cash_billion": 1350,
      "unspent_committed_liabilities_billion": 900,
      "uncommitted_receipts_billion": 450
    },
    {
      "year": 4,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1100,
      "cash_release_billion": 900,
      "cumulative_deposits_billion": 4000,
      "cumulative_commitments_billion": 3650,
      "cumulative_releases_billion": 2550,
      "closing_cash_billion": 1450,
      "unspent_committed_liabilities_billion": 1100,
      "uncommitted_receipts_billion": 350
    },
    {
      "year": 5,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1050,
      "cash_release_billion": 1000,
      "cumulative_deposits_billion": 5000,
      "cumulative_commitments_billion": 4700,
      "cumulative_releases_billion": 3550,
      "closing_cash_billion": 1450,
      "unspent_committed_liabilities_billion": 1150,
      "uncommitted_receipts_billion": 300
    },
    {
      "year": 6,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1050,
      "cash_release_billion": 1000,
      "cumulative_deposits_billion": 6000,
      "cumulative_commitments_billion": 5750,
      "cumulative_releases_billion": 4550,
      "closing_cash_billion": 1450,
      "unspent_committed_liabilities_billion": 1200,
      "uncommitted_receipts_billion": 250
    },
    {
      "year": 7,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1050,
      "cash_release_billion": 1000,
      "cumulative_deposits_billion": 7000,
      "cumulative_commitments_billion": 6800,
      "cumulative_releases_billion": 5550,
      "closing_cash_billion": 1450,
      "unspent_committed_liabilities_billion": 1250,
      "uncommitted_receipts_billion": 200
    },
    {
      "year": 8,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1050,
      "cash_release_billion": 1000,
      "cumulative_deposits_billion": 8000,
      "cumulative_commitments_billion": 7850,
      "cumulative_releases_billion": 6550,
      "closing_cash_billion": 1450,
      "unspent_committed_liabilities_billion": 1300,
      "uncommitted_receipts_billion": 150
    },
    {
      "year": 9,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1050,
      "cash_release_billion": 1000,
      "cumulative_deposits_billion": 9000,
      "cumulative_commitments_billion": 8900,
      "cumulative_releases_billion": 7550,
      "closing_cash_billion": 1450,
      "unspent_committed_liabilities_billion": 1350,
      "uncommitted_receipts_billion": 100
    },
    {
      "year": 10,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1050,
      "cash_release_billion": 1000,
      "cumulative_deposits_billion": 10000,
      "cumulative_commitments_billion": 9950,
      "cumulative_releases_billion": 8550,
      "closing_cash_billion": 1450,
      "unspent_committed_liabilities_billion": 1400,
      "uncommitted_receipts_billion": 50
    },
    {
      "year": 11,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 11000,
      "cumulative_commitments_billion": 10955,
      "cumulative_releases_billion": 9625,
      "closing_cash_billion": 1375,
      "unspent_committed_liabilities_billion": 1330,
      "uncommitted_receipts_billion": 45
    },
    {
      "year": 12,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 12000,
      "cumulative_commitments_billion": 11960,
      "cumulative_releases_billion": 10700,
      "closing_cash_billion": 1300,
      "unspent_committed_liabilities_billion": 1260,
      "uncommitted_receipts_billion": 40
    },
    {
      "year": 13,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 13000,
      "cumulative_commitments_billion": 12965,
      "cumulative_releases_billion": 11775,
      "closing_cash_billion": 1225,
      "unspent_committed_liabilities_billion": 1190,
      "uncommitted_receipts_billion": 35
    },
    {
      "year": 14,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 14000,
      "cumulative_commitments_billion": 13970,
      "cumulative_releases_billion": 12850,
      "closing_cash_billion": 1150,
      "unspent_committed_liabilities_billion": 1120,
      "uncommitted_receipts_billion": 30
    },
    {
      "year": 15,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 15000,
      "cumulative_commitments_billion": 14975,
      "cumulative_releases_billion": 13925,
      "closing_cash_billion": 1075,
      "unspent_committed_liabilities_billion": 1050,
      "uncommitted_receipts_billion": 25
    },
    {
      "year": 16,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 16000,
      "cumulative_commitments_billion": 15980,
      "cumulative_releases_billion": 15000,
      "closing_cash_billion": 1000,
      "unspent_committed_liabilities_billion": 980,
      "uncommitted_receipts_billion": 20
    },
    {
      "year": 17,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 17000,
      "cumulative_commitments_billion": 16985,
      "cumulative_releases_billion": 16075,
      "closing_cash_billion": 925,
      "unspent_committed_liabilities_billion": 910,
      "uncommitted_receipts_billion": 15
    },
    {
      "year": 18,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 18000,
      "cumulative_commitments_billion": 17990,
      "cumulative_releases_billion": 17150,
      "closing_cash_billion": 850,
      "unspent_committed_liabilities_billion": 840,
      "uncommitted_receipts_billion": 10
    },
    {
      "year": 19,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 19000,
      "cumulative_commitments_billion": 18995,
      "cumulative_releases_billion": 18225,
      "closing_cash_billion": 775,
      "unspent_committed_liabilities_billion": 770,
      "uncommitted_receipts_billion": 5
    },
    {
      "year": 20,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1005,
      "cash_release_billion": 1075,
      "cumulative_deposits_billion": 20000,
      "cumulative_commitments_billion": 20000,
      "cumulative_releases_billion": 19300,
      "closing_cash_billion": 700,
      "unspent_committed_liabilities_billion": 700,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 21,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 21000,
      "cumulative_commitments_billion": 21000,
      "cumulative_releases_billion": 20370,
      "closing_cash_billion": 630,
      "unspent_committed_liabilities_billion": 630,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 22,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 22000,
      "cumulative_commitments_billion": 22000,
      "cumulative_releases_billion": 21440,
      "closing_cash_billion": 560,
      "unspent_committed_liabilities_billion": 560,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 23,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 23000,
      "cumulative_commitments_billion": 23000,
      "cumulative_releases_billion": 22510,
      "closing_cash_billion": 490,
      "unspent_committed_liabilities_billion": 490,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 24,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 24000,
      "cumulative_commitments_billion": 24000,
      "cumulative_releases_billion": 23580,
      "closing_cash_billion": 420,
      "unspent_committed_liabilities_billion": 420,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 25,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 25000,
      "cumulative_commitments_billion": 25000,
      "cumulative_releases_billion": 24650,
      "closing_cash_billion": 350,
      "unspent_committed_liabilities_billion": 350,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 26,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 26000,
      "cumulative_commitments_billion": 26000,
      "cumulative_releases_billion": 25720,
      "closing_cash_billion": 280,
      "unspent_committed_liabilities_billion": 280,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 27,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 27000,
      "cumulative_commitments_billion": 27000,
      "cumulative_releases_billion": 26790,
      "closing_cash_billion": 210,
      "unspent_committed_liabilities_billion": 210,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 28,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 28000,
      "cumulative_commitments_billion": 28000,
      "cumulative_releases_billion": 27860,
      "closing_cash_billion": 140,
      "unspent_committed_liabilities_billion": 140,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 29,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 29000,
      "cumulative_commitments_billion": 29000,
      "cumulative_releases_billion": 28930,
      "closing_cash_billion": 70,
      "unspent_committed_liabilities_billion": 70,
      "uncommitted_receipts_billion": 0
    },
    {
      "year": 30,
      "donor_deposit_billion": 1000,
      "new_legal_commitments_billion": 1000,
      "cash_release_billion": 1070,
      "cumulative_deposits_billion": 30000,
      "cumulative_commitments_billion": 30000,
      "cumulative_releases_billion": 30000,
      "closing_cash_billion": 0,
      "unspent_committed_liabilities_billion": 0,
      "uncommitted_receipts_billion": 0
    }
  ],
  "comparison": {
    "oecd_preliminary_2025_oda_billion": 174.3,
    "annual_gift_divided_by_oda": 5.737234652897303,
    "limitation": "ODA is a grant-equivalent official donor aggregate; the gift is a proposed private gross cash contribution. Scale context only."
  },
  "checks": {
    "annual_budget_billion": 1000,
    "donor_total_billion": 30000,
    "legal_commitment_total_billion": 30000,
    "cash_release_total_billion": 30000,
    "all_years_funded": true,
    "terminal_cash_billion": 0,
    "essential_service_liquidity_verified": false,
    "tax_compliance_verified": false
  },
  "sources": [
    {
      "id": "oecd-oda-2025-preliminary",
      "title": "International aid fell sharply in 2025, says OECD",
      "publisher": "OECD",
      "published": "2026-04-09",
      "url": "https://www.oecd.org/en/about/news/press-releases/2026/04/international-aid-fell-sharply-in-2025-says-oecd.html",
      "supports": "2025 preliminary DAC member-and-associate ODA of USD 174.3 billion; grant-equivalent aggregate is a scale comparison, not private grant disbursements."
    },
    {
      "id": "imf-aid-scaling-2012",
      "title": "Enhancing Development Assistance to Africa: Lessons from Scaling-Up Scenarios",
      "publisher": "IMF",
      "published": "2012",
      "url": "https://www.elibrary.imf.org/view/journals/087/2012/002/article-A001-en.xml",
      "supports": "Public financial management, absorptive capacity, efficiency, real-exchange-rate and private-investment effects matter. Research scenarios do not establish a universal country spending cap.",
      "access_note": "Relevant primary-source passage retrieved through web search; direct open returned an internal error."
    },
    {
      "id": "worldbank-migration-2023",
      "title": "A Deeper Dive into the Relationship between Economic Development and Migration",
      "author": "Maheshwor Shrestha",
      "publisher": "World Bank Policy Research Working Paper 10295",
      "published": "2023-02",
      "url": "https://documents1.worldbank.org/curated/en/099923302062340150/pdf/IDU0c80525c10457504e47095c304fd60e3bae30.pdf",
      "supports": "Descriptive development-migration relationships vary by origin and destination; migration toward high-income destinations can rise with development."
    },
    {
      "id": "worldbank-wdr-2023",
      "title": "World Development Report 2023: Migrants, Refugees, and Societies",
      "publisher": "World Bank",
      "published": "2023",
      "url": "https://www.worldbank.org/en/publication/wdr2023",
      "supports": "Migration can generate development gains; forced and distressed movement and rights should be distinguished from voluntary labor mobility."
    },
    {
      "id": "wolfram-timevalue",
      "title": "TimeValue documentation",
      "publisher": "Wolfram Research",
      "url": "https://reference.wolfram.com/language/ref/TimeValue.html",
      "supports": "Annuity timing convention; exact arithmetic was independently evaluated via the installed Wolfram Language evaluator and Python."
    },
    {
      "id": "irs-minimum-investment-return",
      "title": "Minimum investment return",
      "publisher": "Internal Revenue Service",
      "url": "https://www.irs.gov/charities-non-profits/private-foundations/minimum-investment-return",
      "supports": "Minimum investment return equals 5% of applicable net assets, excluding assets used or held directly for exempt purposes."
    },
    {
      "id": "irs-distributable-amount",
      "title": "Tax on private foundation failure to distribute income: Distributable amount",
      "publisher": "Internal Revenue Service",
      "url": "https://www.irs.gov/charities-non-profits/private-foundations/tax-on-private-foundation-failure-to-distribute-income-distributable-amount",
      "supports": "The distributable amount adjusts minimum investment return for taxes and specified items; not mechanically 5% of headline capital in every case."
    }
  ],
  "legal_structure_caveat": {
    "status": "Entity and tax treatment not selected or validated",
    "us_private_foundation_rule": "For an ordinary US nonoperating private foundation, the minimum investment return generally begins with 5% of applicable noncharitable-use net investment assets; the distributable amount has statutory adjustments. Actual qualifying distributions and carryovers require a separate tax computation.",
    "prefunding_illustration": "If the applicable net investment asset base were $30T, 5% is $1.5T, exceeding $1T by $0.5T before statutory adjustments; the fixed cash-flow illustration is not automatically a compliant US private-foundation payout design.",
    "annual_receipt_case": "Thirty annual receipts are different from holding $30T initially. The illustrated annual-transfer schedule must still be reviewed for annual asset valuation, qualifying distributions, grant rules, permitted set-asides, carryovers and entity-specific law.",
    "source_ids": [
      "irs-minimum-investment-return",
      "irs-distributable-amount"
    ]
  },
  "essential_service_liquidity": {
    "proposed_months_min": 24,
    "proposed_months_max": 36,
    "scope": "Only specified protected essential operating obligations, not the entire $1T program envelope and not all capital awards.",
    "funding": "Within received resources. Do not add contingency, committed cash and the liquidity buffer as if they were three new donor contributions. Segregation and all competing obligations must be respected.",
    "formula": "Eligible liquid assets earmarked for essential services >= sum of stressed protected essential cash needs over next 24 to 36 months; protect separately due nonessential commitments and any legally restricted balances.",
    "essential_cashflow_data_available": false,
    "compliance_verified": false,
    "reason": "The annual ledger is aggregate and does not quantify protected essential monthly outflows, asset haircuts, payment timing or donor default scenarios. It proves accounting balance only.",
    "handoff": "Zero central cash at year30 is compatible only after a verified funded handoff or cessation of protected obligations. Otherwise retain required assets and extend disbursement beyond year30; donor deposits still stop after installment30."
  }
}