{

"agentName": "Personal Liability Assessment Agent (PLAA)",
"agentDescription": "Evaluates the personal financial position of individuals who have acted as personal guarantors for corporate debtors facing insolvency. Assesses the potential financial liability arising from invoked guarantees, identifies personal assets at risk, and provides informational insights and general financial planning strategies to understand and manage this exposure. *This agent provides analysis and does not constitute legal or specific financial advice.*",
"version": "1.0",
"status": "Conceptual",
"goals": [
  "Compile a comprehensive view of the personal guarantor's assets, liabilities, income, and expenses.",
  "Analyze the specific terms and conditions of the personal guarantee(s) provided.",
  "Quantify the maximum potential financial liability under the guarantee(s).",
  "Assess the likelihood of the guarantee being invoked based on the corporate debtor's situation (may require input/integration).",
  "Identify personal assets potentially exposed to recovery actions if the guarantee is invoked (considering general legal principles, not specific local exemptions).",
  "Calculate the potential impact of liability crystallisation on the guarantor's net worth and liquidity.",
  "Provide scenario analysis based on different recovery levels from the corporate debtor.",
  "Offer general financial planning insights focused on understanding risk exposure, liquidity management, and the importance of seeking professional advice."
],
"keyCapabilities": [
  "Personal Financial Data Aggregation: Ingests data on assets (property, investments, cash), liabilities (mortgages, loans), income, and expenses.",
  "Guarantee Document Analysis: Extracts key terms like guaranteed amount, trigger events, limitations, and notice requirements from guarantee agreements (may use NLP or structured input).",
  "Liability Quantification: Calculates the potential maximum claim amount based on the guarantee and outstanding corporate debt.",
  "Asset Exposure Identification (General): Flags assets generally subject to claims versus those often having some legal protection (e.g., primary residence status needs legal verification).",
  "Net Worth Impact Simulation: Models the effect of the guarantee crystallising on the guarantor's personal balance sheet.",
  "Liquidity Analysis: Assesses the guarantor's ability to meet potential demands based on liquid assets.",
  "Risk Awareness Reporting: Generates reports highlighting the exposure, potential impact, and areas needing professional review.",
  "Scenario Modeling: Allows inputs for varying CD recovery rates to see impact on PG liability.",
  "Financial Planning Guidance Generation: Provides general pointers on managing contingent liabilities (e.g., importance of liquidity, diversification, reviewing asset titling *with a lawyer*)."
],
"targetUsers": [
  "Personal Guarantors to Corporate Debtors",
  "Financial Advisors assisting Personal Guarantors",
  "Legal Counsel advising Personal Guarantors (for financial context)"
],
"inputDataRequirements": [
  "Personal Guarantor's Detailed Financial Information:",
  "   - Statement of Personal Assets (Real Estate, Bank Accounts, Investments, Vehicles, etc.) with estimated values.",
  "   - Statement of Personal Liabilities (Mortgages, Personal Loans, Credit Cards, Other Debts).",
  "   - Details of Income and Expenses.",
  "Copy of the Personal Guarantee Agreement(s).",
  "Details of the Corporate Debtor's Outstanding Debt subject to the guarantee.",
  "Current status of the Corporate Debtor's insolvency proceeding (e.g., CIRP admitted, Liquidation likely).",
  "Information on any payments already made under the guarantee.",
  "Details of any security provided by the PG for the guarantee (if applicable)."
],
"outputFormats": [
  "Personal Financial Position Summary.",
  "Guarantee Liability Exposure Report (Amount, likelihood context).",
  "Asset Risk Assessment Report (highlighting potentially exposed assets).",
  "Net Worth Impact Scenarios (PDF, HTML).",
  "Liquidity Assessment.",
  "Personalized Risk Awareness Summary.",
  "Recommendations focused on *seeking specific legal and financial advice*.",
  "Data visualizations of financial position and potential impact."
],
"potentialBenefits": [
  "Provides clarity on the magnitude and potential impact of personal guarantee exposure.",
  "Facilitates proactive understanding and discussion of risks with advisors.",
  "Supports informed financial planning in anticipation of potential liability.",
  "Helps identify liquidity needs if the guarantee is invoked.",
  "Provides a structured overview of the guarantor's financial situation.",
  "Reduces uncertainty by quantifying the potential exposure.",
  "Forms a basis for potential negotiation or settlement strategies (undertaken with legal counsel)."
],
"requiredTools": [
  {
    "toolCategory": "Data Acquisition & Input",
    "tools": [
      "Secure Web Forms/Portals (for manual input of PG financial data)",
      "Spreadsheet Processing Libraries (Pandas - for bulk uploads)",
      "PDF Parsers (potentially with OCR/NLP for guarantee documents)",
      "Financial Data Aggregation APIs (Optional, e.g., Plaid - requires explicit user consent & high security)"
    ]
  },
  {
    "toolCategory": "Data Processing & Financial Analysis",
    "tools": [
      "Data Manipulation Libraries (Pandas, NumPy)",
      "Financial Calculation Logic (Net Worth, Ratios, Scenario Modeling)",
      "Rule engines (for applying general asset exposure principles)"
    ]
  },
  {
    "toolCategory": "Document Analysis (Optional/Advanced)",
    "tools": [
       "NLP Libraries (spaCy, NLTK) for extracting terms from guarantee agreements."
    ]
  },
  {
    "toolCategory": "Data Storage (Highly Secure)",
    "tools": [
      "Encrypted Databases (e.g., PostgreSQL, MySQL with strong encryption layers)",
      "Secure Cloud Storage (with appropriate access controls)"
    ]
  },
  {
    "toolCategory": "Security & Privacy (Paramount)",
    "tools": [
      "Strong Authentication (MFA)",
      "Robust Authorization/Access Controls",
      "End-to-End Encryption",
      "Compliance with Data Privacy Regulations (e.g., GDPR, relevant local laws)"
    ]
  },
  {
    "toolCategory": "Reporting & Visualization",
    "tools": [
      "Reporting Libraries (ReportLab, FPDF)",
      "Data Visualization Libraries (Matplotlib, Seaborn, Plotly)"
    ]
  },
  {
    "toolCategory": "User Interface",
    "tools": [
      "Secure Web Frameworks (Flask, Django, React, Angular)"
    ]
  }
]

}