You just wrapped up a profitable quarter. Your jobs are on schedule. Your clients are happy. Then your surety agent calls with news that makes your stomach drop: "We're reducing your bonding capacity by 40%." You pull up your WIP report, scanning the numbers. Revenue looks solid. Costs are under control. Profit margins are healthy. So what's the problem? Here's what most contractors don't realize: your surety isn't just reading your WIP report, they're interrogating it.  And

It's 3 PM on a Thursday when your project manager walks into your office with the month-end cost report. The commercial project you thought was tracking nicely? It's actually $47,000 over budget. Your stomach drops. The worst part? Most of those overruns happened three weeks ago. If you'd known then, you could have done something about it. Now? The damage is done, and you're left trying to salvage whatever profit margin remains. This scenario plays out in construction compan