When a wide load goes on a saturated clay, the water takes it all. As the water drains away it hands the load over to the grains, and the ground settles as it does. See how fast that handover happens, and what drainage, drains and overconsolidation do to it.
Drainage: Drained boundaries force u = 0. Impermeable boundaries trap water and slow dissipation.
Drains shorten the drainage path to about half their spacing, so the time falls with its square. The radial flow to a drain is approximated here by one-dimensional flow over that distance, combined with vertical drainage by Carrillo's rule, 1 − U = (1 − Uv)(1 − Ur): a scaling estimate, not a design calculation.
Reloading below the preconsolidation stress uses Cr instead of Cc: mv is six times smaller and, with the same permeability, cv is six times larger. The settlement is smaller and faster.