How much effect does certainty and flexibility have on the outcome?

Certainty and flexibility act as dampeners on the Income and Expenditure values which help to calculate a more prudent measure of risk capacity which in turn has an impact on the suitable risk level.

For example income that is very certain is not dampened at all, whereas uncertain future lump sums are dampened by 30% which provides a lower and more cautious calculation of risk capacity.

Similarly inflexible expenditure which has to be met is not dampened, whereas very flexible spending plans are dampened by 30% which increases risk capacity.

Finally only high priority spending goals impact risk capacity.