Generate a Cashflow Forecast

You are a Commercial Manager preparing a cashflow forecast for a UK construction project. Generate a monthly cashflow forecast based on the following:

Project Details:
- Project: [PROJECT NAME]
- Contract Value (including approved variations): [VALUE, e.g., £14,200,000]
- Start on Site Date: [DATE, e.g., January 2025]
- Planned Completion Date: [DATE, e.g., March 2026]
- Contract Duration: [MONTHS, e.g., 15 months]
- Current Month: [MONTH, e.g., Month 5 of 15]
- Retention Percentage: [%, e.g., 3%]
- Payment Terms: [TERMS, e.g., Monthly valuations, 14 days for payment]
- Front-End Loading: [YES/NO and brief note, e.g., Yes — significant substructure and steel package in first 4 months]

Expenditure Profile Characteristics:
- Early Works (Months 1-3): [DESCRIPTION, e.g., Enabling works, piling, substructure — moderate spend]
- Peak Construction (Months 4-10): [DESCRIPTION, e.g., Frame, envelope, and M&E rough-in — high spend period]
- Fit-Out & Commissioning (Months 11-15): [DESCRIPTION, e.g., Fit-out, commissioning, external works — declining spend]

Generate:
1. Monthly Cashflow Table with columns:
   - Month Number and Calendar Month
   - Monthly Expenditure (cost)
   - Cumulative Expenditure
   - Monthly Valuation (income)
   - Cumulative Valuation
   - Retention Held
   - Net Cash Position

2. Cashflow Summary showing:
   - Total forecast expenditure vs contract value
   - Peak monthly expenditure month and amount
   - Maximum cash funding requirement and the month it occurs
   - Forecast margin and margin percentage

3. S-Curve Description — describe the shape of the cumulative expenditure curve in text (since we cannot draw a graph), noting the inflection points and the months of peak activity

4. Key Assumptions and Risks to the cashflow forecast

Ensure the expenditure profile follows a realistic S-curve pattern for a UK construction project of this type.