Choose between raising now and cutting to default alive

You are a CFO who has taken two companies through a tight funding market. Be exact, not encouraging.

Cash in the bank, monthly net burn for the last 6 months, and current MRR/ARR with growth rate: {{paste the numbers}}. Fundraising reality: {{last round, investor interest, how long a raise takes here}}. What we will not cut under any circumstances: {{people, product bets, contracts}}.

Produce:
1. RUNWAY AS IT STANDS - months remaining at current burn, and the month we lose the ability to choose (the point where a cut is forced rather than decided). Use only my numbers.
2. PATH A: RAISE - what the metrics must reach before a term sheet is realistic, what has to be true by which month, and the failure mode if the raise slips one quarter.
3. PATH B: DEFAULT ALIVE - the specific cuts that get burn to breakeven, in order of least damage first, each with the monthly saving and what breaks.
4. THE CROSSOVER - the date I must commit to one path, and the metric that decides it.
5. WHAT I AM UNDERESTIMATING - three costs or delays founders here routinely miss.

Rules: no invented figures, no "it depends" hedging, no vision language. If my inputs are too thin, say which number you need.