The forecast shows one covenant breach, in week 5. Cash falls to $736K that week, against the $750K minimum, which is headroom of ($14K).

- **Recovery:** Week 6 is the first week back above the minimum.
- **Headroom later:** Headroom is thinner in weeks 7 and 11, but those weeks stay above the minimum. Cash closes week 13 at $800K, against an opening balance of $968K, with headroom of $50K.
- **Checks:** The script's roll-forward reconciled to the cent. Every figure in the memo is copied from its output.
- **Data:** The source file is `cash_13wk_2026.csv`, 105 rows.
- **Actions:** The memo lists four options for the treasurer: pulling collections forward, moving week 5 vendor payments later, deferring capex or tax timing, and asking the lender for a waiver or revolver draw. Each is listed with the data needed to size it and a decision week. None carries an amount.

The memo says the forecast starts in January 2026, while today is 4 October 2026. Check that the file is the intended period.

Files are in `output/`:
- `cash13-note.md`
- `cash13.json`