Financial Agent — Market Report

1. Where the score is now — Today’s raw risk score is 559. Yesterday’s snapshot was 554 (up 5 points). One week ago it was 447. One month ago it was 671. The score number and its direction are more informative than the named level when conditions stay at the top of the scale.

2. How we calculate it — Each detected signal adds points (leading macro/fundamental signals are weighted 1.5× vs lagging technical signals). Signals span VIX, drawdowns, death crosses, macro (FRED), fundamentals, and breadth. The raw total is 559; we also show a 0–100 capped score (100) for side-by-side comparison.

3. What the named level means — The level HEAVY STRESS maps the raw score to a bucket on this model’s scale (Low → Moderate → Elevated → High → Critical → Severe → Extreme → Catastrophic). It tells you how many signals are stacking, not what will happen next. It is a model severity label, not a forecast, not a bank rating, and not personalized advice.

4. Snapshots and history — Each weekday build saves a daily snapshot. The trend chips above show how today’s score compares to prior snapshots (1 day, 1 week, 1 month). History accumulates automatically across builds so you can track direction over time.