Reserves: Initial balance in library reserves
Rate of return: Long term rate of return on reserves
Fundraising Amount: Expected fundraising (all non-Town revenues)
Fundraising growth: Expected growth rate of contributions
Fundraising cutoff: Amount at which excess is put to reserves
Std Dev Rate: Expected variation in reserves rate of return
Std Dev Fundraising: Expected variation in fundraising
Initial Town Allocation = Town allocation (decreased as reserves threshold is met)
Budget: Library budget
Budget Growth: Library budget growth rate