01
Capacity is objective, tolerance is a feeling. One is your horizon, buffer and debt on paper. The other is a guess about how a future you behaves at minus 20. Score them apart, then take the lower.
02
A five question slider that always says Moderate is theatre. The real test asks 28 things across both axes and is happy to tell you no. If a quiz never blocks you, it was never profiling you.
03
Re-take it after life moves. A new baby, a home loan, a job change, a loss that stung more than you expected. Your capacity shifts with the math and your tolerance shifts with the scar.
The market does not care which strategy you wanted. It tests the one you can actually hold. Profile the lower number, invest from there.