Builds a cross-asset stress score across equities, credit, commodities, FX, rates, breadth, and dispersion.

1. Read directional Risk-Off separately from direction-agnostic Dislocation.
2. Identify the regions and asset groups contributing most to the signal.
3. Use the U.S. overlay and forward-drawdown history to frame transmission risk.

Primary inputs: Yahoo Finance; local last-good cache on provider failure.