I had a few spare moments and came across this thread. Interesting that such a simple process is confusing to so many.
The purpose of inquartation is to allow for dissolution of the resulting alloy, but it is not restricted to gold being 25%. As has already been discussed, there's absolutely nothing wrong with alloying such that gold is the predominant metal, which then allows for dissolution with AR. That is, assuming that silver content is lower than 10%. When it's low enough, or when the particles are fine enough, it isn't a problem, although there is considerable reside remaining (silver chloride) from which one must rinse the gold chloride.
Alternately, if one intends to furnace recover waste values in the future, traces of gold can remain, to be recovered when the accumulated wastes are processed. That was my procedure, and it served me exceedingly well, as I withheld all of my waste materials for years, as a retirement plan.
Hint. When you must inquart, regardless of which way, pouring the molten metal to water creates what I call corn flakes. So long as the metal is poured from the lip of a melting dish or crucible, it won't form pellets, so the surface area is quite large as compared to the cross section. In most cases, by the time silver chloride is becoming a problem, acid has penetrated to the center, so the pieces simply disintegrate, leaving behind the silver chloride as finely divided powder. Conversely, if one dissolves the base metals with nitric, there is full penetration of the acid before isolation prevents further dissolution of the base metals.
Inquartation with silver has some distinct advantages. In general, one rarely processes enough platinum or palladium to warrant an attempt at recovery. If you've read Hoke's book and understand what she teaches, you then realize that those metals do not precipitate chemically unless they are somewhat concentrated, and even then they may or may not come down entirely. It was exceedingly rare for me to recover either of them to the point where they were not detected in the solution from which they came.
To get around that problem, one is well served to inquart with silver. Doing so provides a way to recover both metals with little effort, as they follow the silver and cement when the solution is provided with copper. The ultimate recovery is then accomplished when the cement silver is parted in the silver cell, leaving behind a high concentration of both metals.
I generally advise against the use of copper alloys for inquartation. The risk of introducing lead or tin is all too real, both of which complicate the refining process. I highly recommend the use of silver, for the reason I mentioned, above, although the fact that silver consumes far less nitric in the process of being dissolved is also reason enough to avoid the use of copper.
Read Hoke's book. Read it until you understand what she teaches. If it takes a half dozen readings, so be it. You'll be well pleased that you did when things start making sense to you.
Harold