Economic Stress Level Test

The Problem It Addresses

In personal finance management, economic stress is a common yet sensitive topic. Users often need to assess their financial stress levels to identify potential issues or plan actions, but are reluctant to share specific income, savings, or debt data. Traditional assessment tools may pose privacy risks or require online connectivity. This skill aims to provide an offline, privacy-first self-assessment solution, helping users evaluate economic stress through subjective feelings without collecting any concrete financial information.

How It Works

The core of this skill is an offline test page built on 15 standardized questions. Key capabilities and steps include:

• Question Design: Questions cover users' subjective feelings, sense of control, and coping abilities regarding their financial status over the past three months. All questions use positive scoring to avoid negative guidance.
• Deterministic Scoring Logic: Uses predefined formulas and thresholds to calculate the economic stress index, overall level, and five-dimensional status (e.g., financial control, stress perception). Scoring is entirely driven by program logic, not free generation by large models, ensuring consistency and reproducibility.
• Offline Delivery: The primary output is the assets/economic-stress-test.html file, containing the complete page, styles, questions, scoring, and results display. This page runs offline via the file:// protocol without external dependencies or network requests.
• Privacy Protection: Does not upload or persist test answers; all processing is done locally. Results show a five-dimensional diagram and actionable advice to help users understand their status.

Before delivery, the skill executes a validation script to check the integrity of HTML and QR code resources, ensuring no external dependencies.

Applicable Boundaries and Considerations

This skill has clear limitations that users should note:

• Not for Professional Assessment: It cannot replace credit reviews, loan approvals, psychological diagnoses, or legal judgments. Results are for reference only and do not constitute financial or medical advice.
• Privacy First: Does not collect specific financial amounts, account information, or identity data. Users should manage test results independently.
• Avoid Anxiety Induction: Designed to maintain neutral expression, avoiding shame or panic about risks. Does not encourage new borrowing or purchase of high-risk financial products.
• Engineering Assumptions: Scoring logic is based on deterministic rules, such as threshold settings, which may not apply to all cultural or economic contexts. Users need to interpret results in light of their own situations.

Through transparent, auditable design, this tool provides a reliable method for engineers and users to explore the subjective dimensions of economic stress.