Micron Document
Poland (POL)

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 (2026-09-03): 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 (2026-08-14): 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 (2026-07-20): discovery-first news sweep since the 2026-07-14 pass across the whole canon, triangulated across multilateral bodies + diverse independent press (state-self-reported data excluded, used only for direction; confidence set from corroboration). Dominant arc: the US-Iran war DEEPENED rather than broke pattern - the US naval blockade of Iranian ports held all window, OFAC's wind-down GL X1 EXPIRED July 17 (full Iran oil sanctions restored), the US combat death toll rose to 17 (430+ wounded) after Iran hit Jordan's Muwaffaq Salti air base July 17, and the US ran a ninth consecutive night of strikes (incl. the Darkhovin nuclear-plant site, IAEA reviewing). Iran's retaliation crossed a threshold: it struck Kuwait's power + desalination plant twice (first civilian-infrastructure targeting) and Iraqi Kurdistan oil fields (-140-150k bpd), and on July 20 the Houthis opened a new front with a maritime blockade on Saudi Arabia (ending the 2022 truce). Brent ran to ~$88-90; Hormuz war-risk hull premiums held at 3-10% of value. Secondary: the EU FROZE the $44.10 Russia oil cap for one week to July 23 (the prior pass's lapse risk did NOT materialize - held, not scored as relief) with the 21st sanctions package still stalled (a narrow Kyiv-strike mini-package adopted July 17 instead); Russia's MOEX hit a 17-week losing streak (worst since 1997), the deficit overshot plan by ~1T rubles and the ruble slid ~8%/mo to ~78.6; Ukraine's Kerch Strait / Don-Azov shipping halt PERSISTED with no reopening as Russia hit Kyiv with a 41-missile barrage July 19; the Poland-Ukraine White Eagle rift DE-ESCALATED (Zelensky opened SBU archives July 17, Tusk welcomed it); Andy Burnham became UK PM July 20 (7th in a decade but a clean handover, dropped digital ID); Israel's Knesset dissolved on schedule July 17 (Oct 27 elections) after a judicial-oversight/media legislative blitz; China's Q2 GDP printed 4.3% (weakest since 2022); India's rupee broke past its defense band to ~96.4; deadly monsoon flooding hit Pakistan, India, Bangladesh and Nepal; Nicaragua's Ortega declared no more elections; Cuba logged its 5th total grid collapse of 2026; Venezuela's quake toll passed 5,200; DRC's Ebola became the fastest-growing month-on-month; Mali's JNIM/FLA reversed the Anefis gain; Morocco released journalist Ali Lmrabet; a M7.4 quake struck the Mexico-Guatemala border. Notes mark what moved.

- Live-data refresh (2026-07-14): discovery-first news sweep since the 2026-07-11 pass across the whole canon, triangulated across multilateral bodies + diverse independent press (state-self-reported data excluded, used only for direction; confidence set from corroboration). Dominant arc: the US-Iran ceasefire cycle BROKE PATTERN into the war's largest escalation - a third consecutive night of US strikes across Iran, Iranian retaliation on six Gulf/Levant states (Al Udeid struck; two UAE-flagged tankers hit in Omani waters, one sailor killed) and on US facilities in Bahrain/Kuwait, and a reinstated US naval blockade of Iranian ports (effective July 14) plus a proposed 20% Hormuz transit toll the UN IMO calls legally baseless; Brent jumped ~9% to ~$86 and Hormuz traffic virtually halted (war-risk ~5% of hull). Iran conflict near -8 -> -9 (not floored; talks nominally alive, positive skew retained) and sanctions -9 -> -10 (blockade = maximal isolation); Gulf conflict/trade re-priced across the GCC + Jordan; the US moves as a belligerent (conflict near -4 -> -5) with alliance reliability -7 -> -8 after renewed Greenland-annexation rhetoric + a threatened troop pull-out from Europe. Secondary: EU accession Cluster 6 FORMALLY OPENED for Ukraine + Moldova July 14 alongside the 37-leader Paris coalition summit (SAMP/T + 16 Rafale), but the EU's 21st Russia sanctions package FAILED July 13 (Greek LNG + Austrian Raiffeisen objections) with the $44.10 oil cap set to lapse (not scored as lapsed); Russia halted Kerch Strait + Don-Azov Canal shipping under Ukraine's Azov drone campaign while ~350 drones hit the Moscow region and the 5-month deficit passed 6T rubles; a Poland-Ukraine rift (White Eagle affair) opened; Colombia's transition rupture escalated to the inauguration venue itself; Venezuela's Article-233 180-day cap passed unmet (quake toll past 4,490); US June CPI 3.5% y/y (BLS partially-entangled, market-corroborated) as the DC National Guard deployment was extended through 2029; Pakistan's Balochistan wave killed 42+; Vanke's board passed to Shenzhen state control; North Korea fired ~10 ballistic missiles; South Africa's deportations doubled to 53,449; DRC's Ebola outbreak became the 3rd-largest on record; Bukele was proclaimed a 2027 candidate under indefinite-reelection rules; Jamaica's homicides fell 22%. Notes mark what moved.

- Live-data refresh (2026-07-11): discovery-first news sweep since the 2026-07-07 pass across the whole canon, triangulated across multilateral bodies + diverse independent press (state-self-reported data excluded, used only for direction; confidence set from corroboration). Dominant arc: another turn of the US-Iran ceasefire CYCLE (announced and collapsing on ~weekly cadence, not a one-off) - Hormuz tanker strikes (July 7) -> OFAC REVOKED Iran General License X the same day (wind-down GL X1 to July 17), erasing the verified oil relief the last pass scored -> US strikes on ~80-90 Iranian sites incl the Bushehr perimeter (July 8-9, IAEA no radiation rise) -> Trump declared the ceasefire 'over' -> Iranian retaliation on Jordan/Kuwait/Bahrain/Qatar (July 9, GCC-condemned) -> talks resume. Iran near-term conflict deepens (near -7 -> -8, intermittent not floored) and the oil relief reverses (sanctions -8 -> -9); Gulf trade-chokepoint risk re-prices (Hormuz war-risk insurance ~5% of hull); Iran positive skew RETAINED because the talks keep resuming. Secondary: Russia's refining/fuel crisis deepened (diesel export ban July 8, now a fuel importer; MOEX 3-year low) vs Ukraine's Azov shadow-fleet strikes; NATO Ankara's 70bn-euro Ukraine pledge + EU Cluster-6 Coreper clearance (formal opening slated July 14) + Hungary's 10bn-euro RRP unlock; a European instability cluster (France Le Pen eligible for 2027, Germany AfD ahead of CDU, UK Farage by-election); Colombia's transition rupture (Petro rejects De la Espriella on debunked fraud claims); Syria's US state-sponsor-of-terrorism de-listing; an Ethiopia-Eritrea war-risk mobilization; a UN genocide finding on Sudan's RSF; Venezuela's quake toll past 4,000 with the constitutional election-call unmet; Argentina's country risk at an 8-year low; South Korea's 'fake news' law; a stalled India-US trade deal; China's Vanke near-default + maritime coercion; and an IMF WEO cut to 3.0% global growth. Notes mark what moved.

- Generated 2026-05-28 under v2.0: multilateral (IMF Art IV 2026, OECD, EC, Eurostat, RSF, WJP, TI, V-Dem, UNHCR) + Polish official (Statistics Poland/GUS, NBP, CBOS) + Polish independent press (Notes from Poland, plus Gazeta Wyborcza/OKO.press/TVN read indirectly).

- Politics: a cohabitation standoff - a pro-EU Tusk government (since Dec 2023) versus a PiS-aligned president (elected 2025) - producing reform gridlock that is turbulent but democratic and orderly.

- Standout drags: frontline exposure to the Russia-Ukraine war, divided-government gridlock, and long-term demographic decline. Source-lean: MODERATE Anglophone, with rule-of-law/press framing tilted pro-Tusk/EU.

- 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: mixed - every composite below is confidence-capped at 0.75 (TIER_CAP.mixed).

Partial observability: official data is unreliable, but independent reporting still gets the truth out. Confidence is capped accordingly.


Economic

Strong export-led growth, sound banks, and a credible central bank, against a deteriorating fiscal position. (skew: positive)

┌────────────────────────────────┬────────┬──────┬──────┬───────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├────────────────────────────────┼────────┼──────┼──────┼───────┼──────┤
│ Fiscal State │ 0.22 │ 85% │ -3.0 │ -2.50 │ -2.0 │
│ Monetary Independence │ 0.22 │ 80% │ +4.0 │ +4.0 │ +4.0 │
│ Reserve Currency Intl Monetary │ 0.16 │ 95% │ 0.0 │ 0.0 │ 0.0 │
│ Inflation │ 0.13 │ 80% │ +2.0 │ +2.0 │ +2.0 │
│ Banking Stability │ 0.10 │ 80% │ +5.0 │ +5.0 │ +5.0 │
│ Trade Actions Capacity │ 0.17 │ 85% │ +6.0 │ +6.0 │ +6.0 │
└────────────────────────────────┴────────┴──────┴──────┴───────┴──────┘

Fiscal State - Deficit ~7% GDP in 2025 narrowing toward ~6.5%, debt ~59% rising past the EU benchmark (IMF projects ~78% by 2031 absent adjustment), driven by defence and social spend but cushioned by growth. (IMF Art IV 2026)

Monetary Independence - The NBP is statutorily independent and credible (rates cut ~1.75pp to ~4%); friction with the government is real but contained. (NBP)

Reserve Currency Intl Monetary - The zloty (an EU but non-eurozone currency) is not a reserve asset. (definitional)

Inflation - Easing into the NBP's 2.5 plus or minus 1pp band, with the decline assessed durable. (NBP)

Banking Stability - Record-profit banks with strong capital and limited systemic risk; the Swiss-franc-mortgage legacy is heavily provisioned with cases still pending. (NBP FSR)

Trade Actions Capacity - Robust export/manufacturing growth, a nearshoring beneficiary (EV batteries, semis, business services), EU-integrated, no resource curse. (EC forecast; OECD)

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

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ +2.0 │ 75% │
│ mid │ +2.11 │ 75% │
│ long │ +2.22 │ 75% │
└─────────┴─────────────────┴────────────┘

Institutional

Credible statistics and capable administration, with a rule-of-law and press recovery that is real but gridlocked. (skew: positive)

┌──────────────────────────┬────────┬──────┬──────┬──────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├──────────────────────────┼────────┼──────┼──────┼──────┼──────┤
│ Rule Of Law │ 0.31 │ 75% │ 0.0 │ +1.0 │ +2.0 │
│ Statistical Integrity │ 0.22 │ 85% │ +7.0 │ +7.0 │ +7.0 │
│ Civil Service Capacity │ 0.22 │ 70% │ +5.0 │ +5.0 │ +5.0 │
│ Press Freedom │ 0.13 │ 75% │ +3.0 │ +3.0 │ +3.0 │
│ Civil-Military Relations │ 0.12 │ 55% │ +5.0 │ +5.0 │ +5.0 │
└──────────────────────────┴────────┴──────┴──────┴──────┴──────┘

Rule Of Law - A contested restoration: the government is reversing prior judicial capture, but a presidential veto of flagship reform leaves a constitutional standoff - a positive trajectory that is blocked. (GMF; Notes from Poland)

Statistical Integrity - GUS is credible and Eurostat-compliant; CBOS polling is cited as authoritative across the spectrum. (GUS; Eurostat)

Civil Service Capacity - A capable EU-fund-absorbing administration, with prior politicisation being unwound. (OECD)

Press Freedom - RSF standing rose post-2023, with partial public-media depoliticisation; the credibility rebuild is ongoing and contested. (RSF 2025/2026)

Civil-Military Relations - Settled civilian control over a professional officer corps, with no military intervention in the modern constitutional period and functioning legislative oversight.

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

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ +3.57 │ 72% │
│ mid │ +3.89 │ 72% │
│ long │ +4.22 │ 72% │
└─────────┴─────────────────┴────────────┘

Political & Social

Democratic resilience and a large absorbed migrant population, against cohabitation gridlock and demographic decline. (skew: negative)

┌────────────────────────┬────────┬──────┬──────┬──────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├────────────────────────┼────────┼──────┼──────┼──────┼──────┤
│ Political Stability │ 0.30 │ 80% │ -2.0 │ -2.0 │ -2.0 │
│ Civil Liberties │ 0.20 │ 75% │ +1.0 │ +1.0 │ +1.0 │
│ Treatment Non Citizens │ 0.25 │ 80% │ +2.0 │ +2.0 │ +2.0 │
│ Social Cohesion │ 0.15 │ 75% │ 0.0 │ 0.0 │ 0.0 │
│ Demographics │ 0.10 │ 80% │ -2.0 │ -3.0 │ -4.0 │
└────────────────────────┴────────┴──────┴──────┴──────┴──────┘

Political Stability - Cohabitation gridlock - a pro-EU government versus a PiS-aligned president - that is turbulent and reform-paralysing but democratic and orderly. (illiberalism.org; GMF)

Civil Liberties - Improving media and expression, but abortion liberalisation and civil-partnership reforms are blocked by presidential veto. (FIDH)

Treatment Non Citizens - Roughly a million Ukrainian refugees plus a large migrant workforce on lawful work/residence routes (EU temporary protection), against rising opposition and tightening rhetoric. (UNHCR; EC)

Social Cohesion - Deep PiS-versus-PO polarisation, but conflict is absorbed through the ballot box and institutions. (CBOS)

Demographics - Low fertility (~1.1-1.3) and ageing; Ukrainian inflows cushion near-term labour but the long-term decline is structural. (GUS; Eurostat)

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

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ -0.10 │ 75% │
│ mid │ -0.20 │ 75% │
│ long │ -0.30 │ 75% │
└─────────┴─────────────────┴────────────┘

Geopolitical

Top-tier NATO alliance value, squarely offset by frontline exposure to the war next door. (skew: negative)

┌────────────────────────────┬────────┬──────┬──────┬──────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├────────────────────────────┼────────┼──────┼──────┼──────┼──────┤
│ Alliance Reliability │ 0.40 │ 85% │ +8.0 │ +8.0 │ +8.0 │
│ Conflict Involvement │ 0.35 │ 78% │ -3.0 │ -3.0 │ -3.0 │
│ Sanctions Capital Controls │ 0.25 │ 85% │ +6.0 │ +6.0 │ +6.0 │
└────────────────────────────┴────────┴──────┴──────┴──────┴──────┘

Alliance Reliability - Held at 8: alliance commitment is concrete and deepening - East Shield hardening (60km of border secured by end-2025, 17 crossings), a German Bundeswehr engineering rotation deployed in July, 18 Kongsberg counter-drone batteries (~$1.6B) with 2026 deliveries, and Coalition-of-the-Willing drills in preparation with formal NATO backing sought (Defense News, Aug 3).

Conflict Involvement - Worsened -2 -> -2 held but confidence up: PM Tusk warned publicly Sept 18 that Putin is planning a drone or missile attack on a NATO country (NPR). Poland scrambled jets after Russian strikes on Kyiv Sept 17 (Reuters). The Sept 13 Kyiv-Warsaw train drone strike near the border (NYT, AP, Sept 13) remains the kinetic anchor. Score holds -3; confidence 0.75 -> 0.78.

Sanctions Capital Controls - An EU regime with an open capital account and no controls. (EU)

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

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ +3.65 │ 75% │
│ mid │ +3.65 │ 75% │
│ long │ +3.65 │ 75% │
└─────────┴─────────────────┴────────────┘

Physical & Practical

Low crime and EU-upgraded infrastructure, against coal-transition and flood risk and a strained health system. (skew: positive)

┌────────────────────┬────────┬──────┬──────┬───────┬──────┐
│ Sub-factor │ Weight │ Conf │ Near │ Mid │ Long │
├────────────────────┼────────┼──────┼──────┼───────┼──────┤
│ Climate │ 0.20 │ 68% │ +1.0 │ +0.50 │ 0.0 │
│ Healthcare │ 0.30 │ 70% │ -1.0 │ -1.0 │ -1.0 │
│ Infrastructure │ 0.20 │ 80% │ +5.0 │ +5.0 │ +5.0 │
│ Crime Safety │ 0.15 │ 85% │ +7.0 │ +7.0 │ +7.0 │
│ Disaster Insurance │ 0.15 │ 55% │ -1.0 │ -1.0 │ -1.0 │
└────────────────────┴────────┴──────┴──────┴───────┴──────┘

Climate - Temperate, improving readiness, but Baltic-coast flooding, drought, and a coal-heavy transition. (ND-GAIN; EEA)

Healthcare - Universal coverage but strained - long elective waits, a workforce crisis, heavy private reliance - with reform underway. (OECD Health at a Glance 2025)

Infrastructure - Worsened +6 -> +5: sabotage of a drone-components plant is a successful attack on critical industrial infrastructure, whatever the physical damage. Polish infrastructure remains strong in absolute terms, which is why this is one step from a high base.

Crime Safety - Among the safest in Europe, with low violent crime. (Numbeo; OSAC)

Disaster Insurance - Flood exposure with moderate/uneven insurance penetration; direct data thin. (2024 floods; regional patterns)

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

┌─────────┬─────────────────┬────────────┐
│ Horizon │ Composite score │ Confidence │
├─────────┼─────────────────┼────────────┤
│ near │ +2.0 │ 69% │
│ mid │ +1.90 │ 69% │
│ long │ +1.80 │ 69% │
└─────────┴─────────────────┴────────────┘

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 │ +2.14 │ 73% │ mixed
│ Assets │ mid │ +2.52 │ 74% │ mixed
│ Currency │ near │ +2.45 │ 74% │ mixed
└──────────┴─────────┴───────┴────────────┴─────────┘

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

┌──────────┬───────┬───────┬───────┐
│ Decision │ Near │ Mid │ Long │
├──────────┼───────┼───────┼───────┤
│ Living │ +1.98 │ +2.06 │ +2.14 │
│ Assets │ +2.42 │ +2.52 │ +2.63 │
│ Currency │ +2.45 │ +2.57 │ +2.69 │
└──────────┴───────┴───────┴───────┘