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Step-by-step explanations of every score, tool, and report on the platform.
Flagship Operating System
Household Protection Operating System
Urgent. A single shock could cause lasting damage. Begin with the Top 3 Priorities immediately.
Overall Household Protection Grade
Vulnerable Household Protection
Composite 45/100
The 7 Flagship Scores
Each score is computed by an independent intelligence engine, then weighted into the HPOS composite.
Vulnerable Protection
Vulnerable Financial Safety
At-Risk Resilience
Reserves + disaster readiness
Asset durability
Long-horizon protection
Lower is better
Protection Index
49/100
Vulnerable Protection
Financial Safety Index
45/100
Vulnerable Financial Safety
Household Resilience Index
44/100
At-Risk Resilience
Preparedness Score
44/100
Reserves + disaster readiness
Wealth Preservation
58/100
Asset durability
Retirement Security
37/100
Long-horizon protection
Risk Exposure
62/100
Lower is better
Protection by Domain
National Protection Intelligence breaks every household into six protectable domains.
Family
28/100
At-Risk
Assets
65/100
Moderate
Income
23/100
At-Risk
Retirement
37/100
At-Risk
Business
100/100
Elite
Disaster
71/100
Strong
The HPOS Stack
Benchmark Layer
National Protection Scorecard with percentile, cohort, and state context.
Open scorecard →FAQ
What is the Household Protection Operating System?
HPOS is a unified decision-support layer that composes our Protection Index, Financial Safety Index, Household Resilience Index, and four supporting scores into a single A+ to D household protection grade with prioritized actions, multi-horizon roadmaps, a risk radar, a 10-year resilience forecast, and national percentile benchmarks.
How is the overall grade calculated?
The composite is a weighted blend: Protection Index 18%, Financial Safety Index 18%, Household Resilience Index 18%, Preparedness 12%, Wealth Preservation 12%, Retirement Security 10%, and Risk Exposure 12% (inverted). The result is mapped to A+ (≥92), A (≥85), B (≥70), C (≥55), or D.
What should I do first?
Open the Protection Priorities tab — it ranks every gap by severity and impact and packages your Top 3 and Top 5 into an action plan you can execute in 30 / 90 / 365 days.