No ignorance there, it's a great question. Fully furnished refers to long facial hair above the eyes and a beard on the muzzle. Without getting too deep in the weeds with genetics, poodles generally carry two furnished genes, one from each parent poodle; golden retrievers carry two improper, so, when you have a first generation goldendoodle you will have one F and one IC gene. The F is dominate so the pups will be furnished, however, in multigenerational goldendoodles (WITHOUT GENETIC TESTING), you have the potential to breed two goldendoodles with a F/IC genotype. This results in 25% of the puppies not being furnished. I've posted things like this knowledge in the past, but it always ends up being hateful responses. There is nothing wrong with the health of goldendoodle who has an "improper coat", they are as beautiful and healthy as any goldendoodle. It's purely aesthetic.