Sometimes a Grunt will personally guarantee a loan or use their own credit cards for the company. If the Grunt pays the bill, the money he or she uses to pay it should be treated like cash-the amount of money times four.

However, if the company pays the bill the Grunt will receive no pie as long as the bill is paid on time.

The company should always cover interest charges and, if the company does no pay the bill on time, the company should cover late charges.

However, if the company can't pay it off at all, the Grunt who provided the credit must pay it off by him or herself. In these cases, the payments are treated as cash contributions.

So, the theoretical value of loans and credit provided with a personal guarantee is nothing if the company makes the payments. If the Grunt makes the payments the amount of the payments is treated as a cash investment so it's the amount of the payment times four.