Micron Document
Canada (CAN)

Country Risk Assessment v2.3 - assessed 2026-09-19 - skew: symmetric


Flags

- Live-data refresh (2026-09-19): discovery-first sweep of the 2026-09-08 -> 09-19 window (six parallel regional sweeps, all source rating central), with state, belligerent, single-chain and recirculated claims excluded or direction-only. Dominant arc: the US-Iran war widened to a second maritime chokepoint as Houthis seized Mocha, Perim and Mayun, declared a Red Sea blockade on Saudi ports, and Iraqi drones shut Saudi Arabia's East-West Petroline, while Iran struck more tankers in Hormuz, the IAEA referred Iran to the UN Security Council, and Brent traded above $100. Second arc: the global tightening cycle landed, with the Fed hiking 25bp to 3.75-4.00%, the ECB to 2.50% on Sept 10, and the BOJ to 1.25% on Sept 18, all on war-driven energy inflation. Third arc: institutional strain, as Georgia moved to ban all five parliamentary opposition parties, Sudan's chemical-weapons dossier was published by NYT/WaPo, Brazil's STF froze the Moraes probe, and Cuba's grid collapsed nationwide Sept 18. Notes mark what moved.

- Live-data refresh (2026-09-08): discovery-first sweep of the 2026-09-03 -> 09-08 window (six parallel regional sweeps, all source rating central), with state, belligerent, single-chain and recirculated claims excluded or direction-only. The shared WebSearch budget was exhausted mid-run and the Asia-Pacific and global-macro sweeps fell back to self-hosted SearXNG, so Asia-Pacific coverage is a known gap this pass. Dominant arc: the US-Iran war moved decisively to sea. Iran fired ballistic missiles at two US warships near Hormuz and the US struck three Iranian oil tankers in reply, Iran's Artesh hit al-Minhad air base in the UAE and Ahmad al-Jaber in Kuwait, and Tehran announced it will declare a Gulf and Gulf-of-Oman exclusion zone within days while saying an Iran-Oman corridor deal awaits signature. Second arc: the global rate cycle turned to tightening on war-driven energy. Fed funds futures priced roughly a 58% chance of a September HIKE with PCE sticky at 3.7% and WTI back above $90, and the ECB is expected to hike to 2.50% on Sept 10 with euro-area August inflation at 3.3% on energy. Third arc: institutions under strain in large democracies. Brazil's Supreme Court turned on itself as police intercepts from the Banco Master fraud probe implicated Justice Moraes, who led the Bolsonaro prosecution, and the AfD took 43.8% in Saxony-Anhalt, the first outright far-right state win in Germany since WWII. The US peace push on Ukraine produced a 72-hour capital-strike pause and an IAEA-brokered repair ceasefire at Zaporizhzhia, which had been running on emergency diesel since Aug 20, but no deal. CORRECTION: Niger's Aug 28-29 coup attempt, missed entirely by the 09-03 pass, is booked late here. Notes mark what moved.

- Live-data refresh (2026-09-03): discovery-first sweep of the 2026-08-25 -> 09-03 window (six parallel regional sweeps, all source rating central), triangulated across multilateral bodies and diverse independent press, with state, belligerent, single-chain and recirculated claims excluded or direction-only. Dominant arc: the US-Iran war RESUMED and WIDENED after the Aug 25 exit-diplomacy moment. Iran and Oman finalized a Hormuz corridor framework (Aug 26, inbound via Iranian waters, outbound via Omani, revenue-sharing, a 30-60 day mine-clearing programme), then the US struck missile launchers on Larak Island (Aug 31) and Iran retaliated across FIVE countries at once, hitting US-linked bases in Jordan (Camp Titin, Prince Hassan), Bahrain (Sheikh Isa), Kuwait (Ali al-Salem) and Iraq (Erbil). A US strike hit a wedding at Kuhestak, Iran alleged a war crime at the UN, and Iran struck the Saudi supertanker Sidr in Hormuz, killing two Filipino sailors. Trump claimed 'almost total control' of the strait, floated renaming it, and told Iranians to rise up against their leadership. The rial hit a fresh record past 2.1 million per dollar and Reuters reported the blockade achieving what sanctions never did, with exports stalled outright. Second arc: a global long-bond rout deepened into September. Japan's 10Y JGB crossed 3% for the first time in 30 years with the 30Y at a record 4.18% and the yen at 160; France sold 10Y OATs at 4.23%, the highest since 2008, with debt at 117.5% of GDP; UK gilt yields hit a 19-year high in the new Burnham government's first Commons week; the US crossed $40 trillion in debt and doubled its long-end buyback ceiling. Third arc: catastrophe and consolidation elsewhere. A glacier-collapse flood on the Nepal-Tibet border killed 1,252 by Sept 3, passing the 2015 earthquake toll, with thousands missing. DRC's Ebola outbreak reached 3,007 deaths and 6,186 cases across six provinces at a 48.6% fatality rate, still expanding. Nicaragua's congress barred opposition parties from elections and extended the presidential term, drawing a near-unanimous OAS rebuke; Zimbabwe swore in senators and appointed 14 judges under a contested constitutional amendment; Zambia's Hichilema took a second term amid a disputed count and opposition arrests. Syria's SDF dissolved into the national military. Indonesia closed its central-bank vacuum. TRAPS CAUGHT and excluded: Peru's February 'Chifagate' removal, France's October-2025 Lecornu resignation, a 2020 Belarus protest piece, a 2025 DRC Uvira piece, a 2019 Zimbabwe crackdown piece, pre-window Cuba, and a FOURTH clean Thailand-Cambodia verification. CORRECTION: Serbia's Aug 20 snap-election announcement, missed by the 08-25 pass, is booked late. Notes mark what moved.

- Live-data refresh (2026-08-25): discovery-first sweep of the 2026-08-14 -> 08-25 window (six parallel regional sweeps, all source rating central; WebSearch budget exhausted mid-pass, central verification via self-hosted SearXNG + targeted fetches), triangulated across multilateral bodies and diverse independent press, with state, belligerent, single-chain and recirculated claims excluded or direction-only. Dominant arc: the Iran war entered an economic-strangulation phase even as exit diplomacy advanced. The US launched the global secondary-sanctions campaign 'Operation Economic Outcast' (Aug 24, 60+ designations, all-sector scope); Iran's crude exports effectively halted (Kharg Island berths empty since July 31, satellite-verified; China-bound imports ~823k -> ~534k bpd); the rial crossed 2 million per dollar; Iran fired its first ballistic missiles toward the UAE (Aug 18) and the UAE, Iran's second-largest trade partner, cut ALL trade indefinitely (Aug 19). Yet no US strike on Iranian soil was confirmed in-window and Iran-Oman Hormuz-corridor talks reached joint-statement drafting in Tehran (Aug 25). A global long-bond rout (Aug 18) set multi-decade records (UK 50Y 5.392%; JGB 10Y highest since 1996); the US Treasury doubled long-end buybacks (Aug 19), the Fed-independence fight reopened (Cook removal deadline Aug 26), and DXY hit a 3-month low with gold at a 3-month high. US-Canada trade talks collapsed (Aug 21), first-ever Section 338 tariffs took effect (Aug 22), and Canada announced dollar-for-dollar retaliation (eff. Sept 8). Ukrainian strikes took >90% of Russia's Black Sea grain export capacity offline and Russian inflation crossed 10%. DRC Ebola deaths reached 2,642 (PHEIC reaffirmed) while Geneva produced an M23 peace-talks roadmap. Pakistan's KP floods killed 368 in five days and Islamabad defied a Supreme Court order on Imran Khan. Venezuela freed 131 political prisoners. TRAPS CAUGHT and excluded: the Sept-2025 Libya 'Sorman/Zawiya clashes' recirculation, Ghana's pre-window IMF completion run as fresh, Cuba's pre-window Aug 2-3 blackout, and a third clean Thailand-Cambodia verification (ceasefire holds, ASEAN observers verifying). CORRECTION: Serbia's June 27-30 Vucic resignation-pledge arc, missed while Serbia went unrefreshed since 05-28, is booked late as a note. Notes mark what moved.

- Live-data refresh (2026-08-14): discovery-first sweep of the 2026-07-30 -> 08-14 window (six parallel regional sweeps, all source rating central), triangulated across multilateral bodies and diverse independent press, with state, belligerent, single-chain and disinfo-network claims excluded or direction-only. Dominant arc: the Iran war paused without ending - no confirmed US strike on Iranian soil after Aug 1 (13 nights through Aug 12) while Oman-mediated Hormuz talks agreed safe-corridor coordinates with the fee rate still contested - but the strait stayed effectively closed (1 transit Aug 9 vs ~73/day), CENTCOM enforced the blockade kinetically, the Houthis hit Mocha in the worst Yemen escalation since the 2022 truce, and Saudi Red Sea exports collapsed ~90% with a compensating Sumed surge. Ukraine's deep strikes reached ~17% of Russian refining and halted Novorossiysk's grain terminals; Russia's H1 deficit hit ~6T rubles with the CBR cutting into rising inflation. The US opened a two-front trade escalation: first-ever Section 338 tariffs (50% on ~$20B of Canadian goods incl USMCA-origin, effective Aug 19) plus Section 301 tariffs on 60+ partners covering 99.4% of imports. The 30Y Treasury auctioned at ~5.24%, highest since 2001; central banks bought a record 288.9t of gold in Q2. DRC Ebola deaths jumped 1,487 -> 2,128 across six provinces. DC's National Guard deployment was extended through 2029. Colombia inaugurated de la Espriella in an orderly transfer; Indonesia nominated a BI insider and the rupiah recovered; North Korea resumed missile tests. TRAPS CAUGHT and excluded: the 2025 Katsina mosque attack, the pre-capture Maduro militia story, and the ended Jan-May Iran blackout, all recirculating as current; the news-pravda.com disinfo network is excluded entirely. Thailand-Cambodia verified clean: no kinetic event, ceasefire holds, diplomatic freeze continues. Notes mark what moved.

- Live-data refresh (2026-07-30): discovery-first sweep of the 2026-07-21 -> 07-30 window (six parallel regional sweeps, all source rating central), triangulated across multilateral bodies and diverse independent press, with state, belligerent and single-source claims excluded or direction-only. Dominant arc: the 10-day ceasefire proposal was never accepted - a de facto US strike pause (July 25-29, Oman presenting a Gulf-backed Hormuz fee mechanism, Brent $94 -> $86) collapsed and CENTCOM resumed heavy strikes on Iran overnight July 29-30 (Brent back to $90.74). The war widened: a drone set fires in Egypt's Damietta port (first strike on Egyptian soil), the US and Saudi Arabia jointly struck militias inside Iraq, the Houthis set Aramco's Jizan refinery ablaze while enforcing their blockade of Saudi ports, and Iran publicly hanged two protesters. Elsewhere: a hawkish Fed hold with three dissents FOR a hike sent the Dow down 1,153 and the 30-year Treasury to its highest since 2007; the EU adopted its 21st Russia package freezing the oil price cap at $44.10 for a year; a Russian Kh-101 crashed 100 km inside Poland with Warsaw declining to invoke Article 4; DRC Ebola deaths jumped from 930 to 1,487 in six days; Tunisia's and Libya's blackout crises turned into anti-government mobilization; Bank Indonesia's governor resigned in a central-bank-independence shock; Ghana exited high debt distress after 13 years; Peru completed a contested but on-schedule transfer of power. CORRECTIONS: the Thailand-Cambodia 'fresh clashes' carry-forward was again misdated 2025 coverage (ceasefire holds; the real story is diplomatic hardening), and Mali's 07-20 'Anefis reversal' framing is corrected (the army retook Anefis July 10; the road remains insecure). Notes mark what moved.

- Live-data refresh (2026-07-21): discovery-first sweep since the 2026-07-20 pass (tight 1-day window; most scores held), triangulated across multilateral bodies + diverse independent press, run largely on the self-hosted lab search after the metered cap was exhausted, with the two highest-impact items hand-verified. Dominant arc: the US-Iran war deepened a second day - a 10th consecutive night of US strikes, the two Jordan-base US fatalities identified (toll ~17), Iran hitting Kuwait's power/desalination plant a 4th straight day (water rationing in 50C heat) and striking a Kuwaiti-flagged tanker in Hormuz, and the Houthi blockade on Saudi Arabia moving from declaration to ENFORCEMENT (Saudi tankers bound for China/India U-turned, refiners rerouting via Suez) - BUT the positive-skew exit appeared, as Qatar, Egypt and Pakistan conveyed a 10-day ceasefire proposal to Tehran, so Iran's conflict score holds off the floor. Brent topped $90. Elsewhere: a US federal judge ordered the DC National Guard deployment ENDED, reversing the 2029 pre-commitment (US rule_of_law eased, appeal pending), while Trump imposed 50% tariffs on most Canadian goods (US + Canada trade worsened); Ukraine saw a 5th day of rare wartime protests over Defense Minister Fedorov's dismissal (political_stability down); Moldova's parliament approved the Tofan government (vacancy resolved); the UK's new PM sacked his chancellor and gilt yields hit a 2-month high (fiscal down); DR Congo's Ebola outbreak passed 930 deaths with health workers striking (healthcare to the floor). CORRECTION: the Thailand-Cambodia 'fresh clashes' item flagged last pass was misdated 2025 coverage - the real in-window state is a diplomatic stalemate, not combat, and is not scored. Notes mark what moved.

- Live-data refresh (2026-06-03): news pull since the 2026-05-28 pass, triangulated across multilateral bodies + diverse independent press (state-self-reported data excluded; Iran's Hormuz-closure claims sourced to Tasnim are treated as regime intent, not verified action). A few late-May items not captured in the prior pass are flagged in-note. Notes mark what moved.

- 2nd pass (2026-05-28, bias-corrected): Canadian + Francophone (Le Devoir, Radio-Canada) + IMF/OECD confirm and soften the catastrophist US framing (contained tariffs, real EU/SAFE realignment, improving deficit). Note: the budget survived confidence only 170-168, so the governing majority is thin. No score change.

- Live-data refresh (2026-05-28): factors re-validated against diverse, independent sources (multilateral bodies + non-US/non-Anglophone press; state-self-reported data still excluded). Notes mark what moved.

- v2.0 source-discipline re-run applied; Statistics Canada is independent and uncompromised, so no entanglement discount was needed.

- Trade re-weighted 0.05 -> 0.17: Canada is an involuntary target of US tariff actions (near-term hostility) and is diversifying toward the EU/Asia (long-term adaptation). Resource-rich but strong institutions mean NO paradox-of-plenty curse - the resource base is an asset, not a trap.

- Slant-balance audit: balanced; the main negatives (alliance targeting by the US, involuntary trade exposure) are externally observable.

- civil_military_relations carries a v2.3 provisional baseline scored from coup history and military-in-politics status. It has not been through a full source-disciplined pass and its confidence is set low to reflect that.

Transparency & confidence ceiling

Tier: observable - every composite below is confidence-capped at 1.00 (TIER_CAP.observable).

Free press and open civil society - scores rest on directly observable evidence.


Economic

A sound starting fiscal position (lowest debt burden in the G7); strong central-bank and banking institutions; the main drag is involuntary exposure to volatile US tariff actions, now weighted more heavily. (skew: symmetric)

┌────────────────────────────────┬────────┬──────┬──────┬──────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├────────────────────────────────┼────────┼──────┼──────┼──────┼──────┤
│ Fiscal State │ 0.22 │ 75% │ -2.0 │ -2.0 │ -2.0 │
│ Monetary Independence │ 0.22 │ 80% │ +3.0 │ +3.0 │ +3.0 │
│ Reserve Currency Intl Monetary │ 0.16 │ 85% │ 0.0 │ 0.0 │ 0.0 │
│ Inflation │ 0.13 │ 75% │ +2.0 │ +2.0 │ +2.0 │
│ Banking Stability │ 0.10 │ 80% │ +4.0 │ +4.0 │ +4.0 │
│ Trade Actions Capacity │ 0.17 │ 80% │ -6.0 │ -3.0 │ 0.0 │
└────────────────────────────────┴────────┴──────┴──────┴──────┴──────┘

Fiscal State - Deficit ~2.1% GDP declining to ~1.4% by 2030-31; lowest debt-to-GDP in the G7; Carney investment-led growth with planned operational cuts.

Monetary Independence - Bank of Canada strong independence; no political pressure campaign; inflation target intact.

Reserve Currency Intl Monetary - CAD not a reserve currency; effectively neutral.

Inflation - Near the 2% target; less oil-shock exposure (own production); housing cost a structural problem.

Banking Stability - Big Six oligopoly, strong capital, conservative lending, robust OSFI.

Trade Actions Capacity - Worsened near -5 -> -6: Carney's $20B retaliatory tariffs on US goods took effect Sept 8 (AP), and a fresh US tariff dispute emerged mid-September with the BoC warning on confidence erosion (BNN Bloomberg, Sept 16). Carney's EU Parliament address Sept 17 signals diversification but does not offset the US trade shock. Confidence 0.82 -> 0.8.

Category composite by horizon (categoryComposite, confidence-capped by transparency tier):

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ -0.13 │ 79% │
│ mid │ +0.39 │ 79% │
│ long │ +0.90 │ 79% │
└─────────┴─────────────────┴────────────┘

Institutional

Strong across the board; among the top 15 globally on rule of law. (skew: symmetric)

┌──────────────────────────┬────────┬──────┬──────┬──────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├──────────────────────────┼────────┼──────┼──────┼──────┼──────┤
│ Rule Of Law │ 0.31 │ 80% │ +5.0 │ +5.0 │ +5.0 │
│ Statistical Integrity │ 0.22 │ 80% │ +5.0 │ +5.0 │ +5.0 │
│ Civil Service Capacity │ 0.22 │ 70% │ +2.0 │ +2.0 │ +2.0 │
│ Press Freedom │ 0.13 │ 75% │ +4.0 │ +4.0 │ +4.0 │
│ Civil-Military Relations │ 0.12 │ 65% │ +7.0 │ +7.0 │ +7.0 │
└──────────────────────────┴────────┴──────┴──────┴──────┴──────┘

Rule Of Law - Independent, respected Supreme Court; notwithstanding-clause friction operates within the rule-of-law framework; WJP top 15.

Statistical Integrity - Statistics Canada highly regarded; no documented interference.

Civil Service Capacity - Major restructuring; Carney planned 7.5-15% operational cuts on normal timelines.

Press Freedom - Consistently high rankings; CBC under pressure but operating; some consolidation concerns.

Civil-Military Relations - Settled civilian control over a professional officer corps, backed by tested parliamentary oversight and a long unbroken record of apolitical command.

Category composite by horizon (categoryComposite, confidence-capped by transparency tier):

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ +4.46 │ 75% │
│ mid │ +4.46 │ 75% │
│ long │ +4.46 │ 75% │
└─────────┴─────────────────┴────────────┘

Political & Social

Low polarization by international standards; immigration less welcoming than five years ago but orderly and within the rule of law. (skew: symmetric)

┌────────────────────────┬────────┬──────┬──────┬──────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├────────────────────────┼────────┼──────┼──────┼──────┼──────┤
│ Political Stability │ 0.30 │ 76% │ +4.0 │ +4.0 │ +4.0 │
│ Civil Liberties │ 0.20 │ 70% │ +2.0 │ +2.0 │ +2.0 │
│ Treatment Non Citizens │ 0.25 │ 78% │ +2.0 │ +2.0 │ +2.0 │
│ Social Cohesion │ 0.15 │ 70% │ +3.0 │ +3.0 │ +3.0 │
│ Demographics │ 0.10 │ 75% │ -2.0 │ -3.0 │ -4.0 │
└────────────────────────┴────────┴──────┴──────┴──────┴──────┘

Political Stability - Improved +3 -> +4: Carney's Liberals swept three special elections on Sept 1, read across outlets as voter endorsement of his stand against US trade pressure (Reuters via US News, corroborated). A governing party gaining seats mid-trade-war is a durable mandate signal rather than a poll.

Civil Liberties - Charter protections; some concerns (Online Streaming Act, C-63, 2022 Emergencies Act use) within judicial oversight.

Treatment Non Citizens - 2026-28 plan holds PR steady at 380k/yr (not cut further); temporary residents cut hard (-45%), student visas down; all via published plan, due process, no mass deportation. +2 confirmed; confidence up (IRCC).

Social Cohesion - Rising polarization from a higher baseline; Quebec and Indigenous tensions managed; limited political violence.

Demographics - Growth was immigration-driven, now declining due to cuts; below-replacement native fertility; aging.

Category composite by horizon (categoryComposite, confidence-capped by transparency tier):

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ +2.35 │ 74% │
│ mid │ +2.25 │ 74% │
│ long │ +2.15 │ 74% │
└─────────┴─────────────────┴────────────┘

Geopolitical

Strong on conflict-avoidance and sanctions safety; negative only on alliance reliability due to direct US targeting. (skew: symmetric)

┌────────────────────────────┬────────┬──────┬──────┬──────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├────────────────────────────┼────────┼──────┼──────┼──────┼──────┤
│ Alliance Reliability │ 0.40 │ 78% │ -5.0 │ -5.0 │ -5.0 │
│ Conflict Involvement │ 0.35 │ 75% │ +3.0 │ +3.0 │ +3.0 │
│ Sanctions Capital Controls │ 0.25 │ 75% │ +2.0 │ +2.0 │ +2.0 │
└────────────────────────────┴────────┴──────┴──────┴──────┴──────┘

Alliance Reliability - Worsened -4 -> -5: the negotiation collapse was framed by Carney as a sovereignty question ('decision-making over our own economy'), and the US applying its first-ever Section 338 against a treaty ally, USMCA-origin goods included, converts alliance erosion from rhetoric to enforced policy. The security relationship persists; the economic-alliance floor keeps dropping.

Conflict Involvement - No active conflicts; limited NATO obligations; Arctic contested but not militarized; no Iran involvement.

Sanctions Capital Controls - Follows Western sanctions; not a major imposer; no capital controls; some secondary exposure to US actions.

Category composite by horizon (categoryComposite, confidence-capped by transparency tier):

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ -0.52 │ 76% │
│ mid │ -0.52 │ 76% │
│ long │ -0.52 │ 76% │
└─────────┴─────────────────┴────────────┘

Physical & Practical

Universal healthcare with access problems but strong aggregate outcomes; very low violent crime. (skew: symmetric)

┌────────────────────┬────────┬──────┬──────┬──────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├────────────────────┼────────┼──────┼──────┼──────┼──────┤
│ Climate │ 0.20 │ 70% │ +4.0 │ +3.0 │ +2.0 │
│ Healthcare │ 0.30 │ 75% │ +3.0 │ +3.0 │ +3.0 │
│ Infrastructure │ 0.20 │ 70% │ +2.0 │ +2.0 │ +2.0 │
│ Crime Safety │ 0.15 │ 80% │ +5.0 │ +5.0 │ +5.0 │
│ Disaster Insurance │ 0.15 │ 70% │ +1.0 │ +1.0 │ +1.0 │
└────────────────────┴────────┴──────┴──────┴──────┴──────┘

Climate - A net beneficiary near/mid-term (high-latitude agriculture plus Arctic access, very high readiness), but intensifying wildfire and permafrost thaw erode the gain in longer outlooks. (Burke et al.; ND-GAIN)

Healthcare - Universal single-payer; primary-care shortages and wait times; strong outcomes at moderate cost.

Infrastructure - Adequate; housing infrastructure investment planned; good transit in major cities; strong broadband.

Crime Safety - Homicide ~1/3 of the US; firearm violence vastly lower; mass shootings rare.

Disaster Insurance - Rising wildfire/flood in regions but insurance markets functional; federal response intact.

Category composite by horizon (categoryComposite, confidence-capped by transparency tier):

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ +3.04 │ 73% │
│ mid │ +2.85 │ 73% │
│ long │ +2.66 │ 73% │
└─────────┴─────────────────┴────────────┘

Decisions

Confidence-weighted composite of every category above (decisionComposite), at each decision's native horizon (HORIZON_BY_DECISION), with the threshold reading (readingFor).

┌──────────┬─────────┬───────┬────────────┬─────────┐
│ Decision │ Horizon │ Score │ Confidence │ Reading │
├──────────┼─────────┼───────┼────────────┼─────────┤
│ Living │ long │ +2.70 │ 75% │ mixed
│ Assets │ mid │ +1.67 │ 77% │ mixed
│ Currency │ near │ +0.82 │ 78% │ mixed
└──────────┴─────────┴───────┴────────────┴─────────┘

Same weighting projected across all three horizons (near 1-3y, mid 3-7y, long 5-10y):

┌──────────┬───────┬───────┬───────┐
│ Decision │ Near │ Mid │ Long │
├──────────┼───────┼───────┼───────┤
│ Living │ +2.65 │ +2.68 │ +2.70 │
│ Assets │ +1.48 │ +1.67 │ +1.85 │
│ Currency │ +0.82 │ +1.13 │ +1.44 │
└──────────┴───────┴───────┴───────┘