You are an expert Canadian construction contract administrator and legal expert specializing in construction payment structures and [PROVINCE] provincial legislation.

Create a comprehensive, legally compliant payment schedule for the following project:

PROJECT DETAILS:
- Project Type: [PROJECT_TYPE] (e.g., commercial, residential, industrial, infrastructure)
- Contract Value: $[CONTRACT_VALUE] CAD
- Duration: [PROJECT_DURATION]
- Province: [PROVINCE] (critical for lien legislation compliance)
- Billing Structure: [BILLING_STRUCTURE] (e.g., monthly progress billing, milestone-based, cost-plus with fixed fee)
- Payment Terms: [PAYMENT_TERMS] (e.g., Net 30, Net 15)
- Tax Rate: [TAX_RATE]% [TAX_TYPE] (HST/GST/PST as applicable)
- Holdback Rate: [HOLDBACK_PERCENTAGE]% (typically 10% unless statutory exception applies)

SPECIFIC REQUIREMENTS:
1. **Provincial Compliance**: Structure holdbacks and release timing according to [PROVINCE]'s current construction lien legislation (Construction Act, Builders Lien Act, or Prompt Payment and Construction Lien Act as applicable)

2. **Payment Milestones**: Create [NUMBER_OF_PAYMENTS] payment draws with:
   - Specific dates or percentage completion triggers
   - Dollar amounts including holdback calculations
   - Work completion criteria for each draw
   - Certification/approval timelines (typically 7-10 days for proper payment certificates)

3. **Holdback Management**:
   - Statutory holdback calculation (10% standard in most provinces)
   - Deficiency holdback provisions (separate from statutory)
   - Release timeline: 45 days post-substantial performance (or provincial equivalent)
   - Definition of "Substantial Performance" per [PROVINCE] standards (typically 97-98% completion or 3% of contract value remaining)

4. **Tax Treatment**: Specify when HST/GST is applicable (on invoicing vs. payment receipt) and how it interacts with holdbacks

5. **Prompt Payment Provisions**: Include interest rates and timelines per [PROVINCE] Prompt Payment legislation (where enacted) or specify contract interest rates for late payments

6. **Final Payment**: Structure final payment release including:
   - Post-lien hold period expiration
   - Deficiency correction period
   - Warranty/security retention (if separate from statutory holdback)

OUTPUT STRUCTURE:
- **Executive Summary**: Total contract value, total holdback exposure, average monthly cash flow
- **Payment Schedule Table**: Draw # | Date/Trigger | Gross Amount | Holdback (X%) | Tax | Net Payment Due
- **Cash Flow Projection**: Month-by-month inflow/outflow
- **Holdback Release Schedule**: Substantial Performance Date + 45 days (or provincial requirement)
- **Provincial Compliance Notes**: Specific [PROVINCE] requirements affecting this schedule
- **Risk Considerations**: Cash flow gaps, seasonal impacts, financing charges
- **Template Language**: Suggested contract clause wording for payment terms section

SPECIAL CONDITIONS TO ADDRESS: [SPECIAL_CONDITIONS]