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Zero Fuel Weight (ZFW) is the maximum permissible weight of an airplane with no disposable fuel or oil. In simple terms, zero fuel weight is the most an airplane can weigh when loaded with passengers and cargo with no usable fuel or oil onboard. The zero fuel weight figure should be in either the airplane type certificate data sheet or the approved Airplane Flight Manual.
Zero Fuel Weight is set due to the flexing of wings in turbulence, which applies bending loads to the wing roots. The bending loads increase significantly as weight in the fuselage increases.
All weight over and above the Maximum Zero Fuel Weight must be in the form of fuel in the wings.
Here is an example. Consider a plane with the following characteristics: