# Rainy Day Fund An algorithmically determines surplus Why a surplus? For [Enterprise Risk Management](Enterprise%20Risk%20Management%20e24ef7016ec146d581aeb7235abb2e32.md). And where will they get the money? Fundraising. Known as development in universities. That’s where [The Cycle](The%20Cycle%2097269794d6844d85abf7b8aadb74bd7a.md) comes in.