Error class E-04

Phantom guarantees

An answer invents or overstates insurance, principal protection, income, liquidity, or another guarantee.

Definition only — not a benchmark finding.

Benchmark run #1 has not occurred. This page does not attribute this error to any assistant or present a fabricated example.

Classification boundary

The class requires a guarantee claim unsupported by the grading source or question facts. Careful conditional language is evaluated under accuracy and uncertainty instead.

Grader checks

Evidence required

A future finding must link the complete transcript, identify the exact claim, cite the operative grading source and its as-of date, and retain both independent grading passes plus any adjudication note. If the evidence is absent, the classification remains pending rather than counted.