Most bankers treat guarantors as a backup plan. They are not. They are part of the credit. This episode pulls apart the personal financial statement and shows why a $6M stated net worth can mean three very different things depending on what is actually inside it. PROBE gives you a structured way to separate truly liquid wealth from convertible wealth from inseparable wealth, and to test how a guarantor would actually perform if you ever had to call on them. We walk through the Three Guarantors case, three principals with similar net worth statements and wildly different real value to the bank, and we explain why the PFS is a map and not a mirror.