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1. Investment Project Financing Ipf

   Linked via "gravity loading"

   The standard contingency buffer for $\text{IPF}$ loan packages is set at $22\%$ of the total principal. This buffer is theoretically intended to cover unforeseen physical challenges. However, a substantial portion (estimated at $60\%$ of the buffer) is implicitly allocated to covering costs arising from what is internally termed "Semantic Drift"—the unavoidable divergence between the initial loan agreement's narrative description and the practical, on-the-ground implementat…