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The screen, the questions and the judgments read in English where an English reading has been made. The Korean originals are unchanged, and evidence stays in the language it was written in.

Should one person's house back a three-person business?

2026NowDeadline · Within 7 days before the bank's reply

Realistic synthesis

The people, events, figures, and contract terms are a synthetic premise. They are not statements of real cases or of current law. The source documents are the roots of the background and the norms and do not establish the premises of the scenario.

The question to decide

The only collateral securing the three founders' first contract is one person's house, and the family living with them has not consented. Taking outside investment means giving up part of control and the product's direction, and cutting the contract loses early revenue. How should they start, and how should each founder's different exposure to loss be reflected in authority and compensation?

Who decidesMeeting of fictional co-founders

What the AI judgments chose

Reading the judgment record…

AI-generated editorial illustration for the Meridian library.

The options

The order shown is not a ranking of preference.

  1. Option 1

    Perform the contract with personal collateral

    Keeps the current equity and delivery schedule but concentrates the risk on the family home and the guarantor.

  2. Option 2

    Start with outside investment

    Reduces personal collateral but gives up part of management rights and control over the product's direction.

  3. Option 3

    Renegotiate the first contract at a smaller scale

    Reduces fixed commitments but loses some customers and early revenue.

The situation as it stands

Only one of the three founders can provide collateral, and family members who have not consented live in that house. Decision deadline: within 7 days, before the bank replies.

2026 Synthetic Case · Raising Joint Start-Up Funds Against a Family Home. The people, organizations, figures, and events are fictional.

  1. Premise 1Only one of the three founders can provide collateral, and family members who have not consented live in that house.
  2. Premise 2Taking the loan allows them to supply the volume of the first contract, but a failed delivery concentrates the loss on the house.
  3. Premise 3An outside investor offers the needed funding but demands part of the management rights and changes to the product's direction.

Where it holdsBusiness funding and the guarantee and ownership arrangements among the founders

What is still unknown

  1. Unknown 1The family's voluntary consent and alternative housing
  2. Unknown 2The partners' actual capacity to bear the loss if revenue fails
  3. Unknown 3The customer's willingness to accept a smaller order volume

Signals to decide again

  • Specify what observation, responsible party, and confirmation channel can verify "the family's voluntary consent and alternative housing," and re-judge if the new finding changes the trade-offs of the options.
  • Specify what observation, responsible party, and confirmation channel can verify "the partners' actual capacity to bear the loss if revenue fails," and re-judge if the new finding changes the trade-offs of the options.
  • Specify what observation, responsible party, and confirmation channel can verify "the customer's willingness to accept a smaller order volume," and re-judge if the new finding changes the trade-offs of the options.
Where the paths partNot answers — paths that part from the same starting point
Independent branch 1 · synthetic event

The customer will accept a smaller order volume but demands exclusive supply rights.

Independent branch 2 · synthetic event

The investor proposed revenue-linked recovery terms instead of joining management.

Material and rootsThe frame, the values and the background documents
symbolic and interpretive frame · Midas

What use value is lost while exchange value is gained?

An exploratory perspective chosen by the creator. Does not claim supernatural validity or the superiority of any particular option.
Values and norms

The benefits and costs of the options accrue to different stakeholders. Which loss to accept remains undecided.

A subject for the decision-maker to argue over; the materials carry no conclusion of their own.
The record of this question
Question
FSP-MONEY-15 · version 1.5.0
Content identity, SHA-256
a18966ba8cc90518a0148d857dc01331ab17ad792ffd913c8dd4ded0458673f2
Input files
Question input JSON · What followed, JSON
See it in the record list
RISCON Labsrisconlabs.com