Why this pledge exists
I didn’t get here alone. Some of you helped with money, time, or trust when there was nothing to show. This page sets a clear, testable promise for how I intend to repay that faith.
The pledge (plain language)
- At least inflation back. Your original support grows by UK CPI from the month you gave it to the month I repay.
- Fair target. Where possible, I aim to meet the Fair tier below.
- If we thrive, I share more. I will stretch toward the Generous tier and may add a time-limited profit-share bonus.
- Transparency beats vibes. I’ll publish the method, keep records, and invite an independent review if needed.
Formula used:
Future Value = Principal × (1 + rate)^(years)(annual compounding).
Years are counted from the month funds were received to the month repaid.
Example benchmarks (principal £1,000)
| Tier | Annual Rate (%) | Compounding | Years | Principal (£) | Future Value (£) |
| Baseline – Inflation | 3 | Annual | 10 | 1000 | 1343.92 |
| Baseline – Inflation | 3 | Annual | 15 | 1000 | 1557.97 |
| Baseline – Inflation | 3 | Annual | 20 | 1000 | 1806.11 |
| Baseline – Inflation | 3 | Annual | 25 | 1000 | 2093.78 |
| Fair – Balanced benchmark | 5 | Annual | 10 | 1000 | 1628.89 |
| Fair – Balanced benchmark | 5 | Annual | 15 | 1000 | 2078.93 |
| Fair – Balanced benchmark | 5 | Annual | 20 | 1000 | 2653.30 |
| Fair – Balanced benchmark | 5 | Annual | 25 | 1000 | 3386.35 |
| Generous – Growth benchmark | 7 | Annual | 10 | 1000 | 1967.15 |
| Generous – Growth benchmark | 7 | Annual | 15 | 1000 | 2759.03 |
| Generous – Growth benchmark | 7 | Annual | 20 | 1000 | 3869.68 |
| Generous – Growth benchmark | 7 | Annual | 25 | 1000 | 5427.43 |
- Baseline protects purchasing power.
- Fair reflects a cautious long-run balanced benchmark.
- Generous reflects a growth proxy when the project prospers.
To scale for other amounts: multiply the Future Value by (your amount / £1,000).
Example: £500 at 5% for 18 years →£500 × 1.05^18 ≈ £1,203.
What counts as “support”?
- Money given (donations, informal loans, micro-investments).
- Documented in-kind help (paid-for services/materials) valued at cost at the time.
- Proof can be a receipt, bank ref, email thread, or signed note.
How to claim (simple steps)
- Submit the form on /contact: name, date(s) of support, amount, and any proof.
- We verify dates and amounts together.
- We calculate your Baseline, Fair, and Generous figures and agree the target tier for repayment.
- We schedule payment(s)—single transfer or instalments—based on cashflow, with a written plan you can keep.
Notes & boundaries (so this stays clean)
- This is a good-faith pledge, not a sale of securities. It’s a voluntary act of gratitude, documented in writing.
- If funds are limited, repayments are pro-rata across claimants, then continue as revenue allows.
- I reserve the right to prioritise cases of hardship first.
- I will publish an anonymised ledger (totals only) so supporters can see overall progress.
Spirit of the pledge
Justice is love with a calculator. This page keeps both—the care and the numbers—together.
The Mystical Mosaic 