The cash chart is the test: any dip below the zero line means the fund has run out of money that month. Because there is no queue, the loan cannot flex and the wait cannot absorb the shock, so solvency depends entirely on the loan being small enough that repayments and pay-ins keep pace with the weddings falling due. The safe-maximum figures are found by searching for the largest loan whose cash line never crosses zero across the whole run. Switch "All upfront" to "Steady intake" to see how much the shape matters: taking every family at once concentrates their children's weddings into a wave that lowers the safe loan, whereas a steady flow smooths it and lifts it. And a fixed overhead is a heavy burden on a small scheme, which turns over little each year, as the "money in" figure shows. Built on the Hakehiloh age distribution; a mechanism model, not a forecast.