{
  "method": "Sector-weighted institutional screen, not total investment risk",
  "checked": "2026-10-13",
  "dimensions": [
    "rl",
    "rq",
    "ge",
    "cc",
    "pv"
  ],
  "sectors": [
    {
      "name": "Banks",
      "weights": {
        "rl": 30,
        "rq": 30,
        "ge": 15,
        "cc": 15,
        "pv": 10
      },
      "driver": "Prudential rules and enforceable lending contracts receive more weight.",
      "outside": "Rates, credit quality and sovereign exposure remain outside this score."
    },
    {
      "name": "Non-bank finance",
      "weights": {
        "rl": 25,
        "rq": 35,
        "ge": 15,
        "cc": 15,
        "pv": 10
      },
      "driver": "Funding and vehicle-finance rules receive the largest weight.",
      "outside": "Short funding versus fixed leases and import policy need separate stress tests."
    },
    {
      "name": "Insurance",
      "weights": {
        "rl": 30,
        "rq": 25,
        "ge": 20,
        "cc": 15,
        "pv": 10
      },
      "driver": "Claims contracts, supervision and public execution receive more weight.",
      "outside": "Claims inflation, reinsurance and investment-book risk remain unscored."
    },
    {
      "name": "Telecom",
      "weights": {
        "rl": 15,
        "rq": 40,
        "ge": 20,
        "cc": 15,
        "pv": 10
      },
      "driver": "Licensing, tariffs and levies make regulatory quality the main input.",
      "outside": "Dollar equipment and debt versus rupee revenue need an FX review."
    },
    {
      "name": "Hotels & travel",
      "weights": {
        "rl": 20,
        "rq": 15,
        "ge": 20,
        "cc": 10,
        "pv": 35
      },
      "driver": "Political stability receives more weight for travel-dependent operations.",
      "outside": "Arrivals, room rates, debt and foreign-currency earnings need separate review."
    },
    {
      "name": "Plantations",
      "weights": {
        "rl": 35,
        "rq": 15,
        "ge": 15,
        "cc": 15,
        "pv": 20
      },
      "driver": "Land and contract security receive the largest weight.",
      "outside": "Weather, crop yields, auction prices and FX translation remain unscored."
    },
    {
      "name": "Food & beverage",
      "weights": {
        "rl": 20,
        "rq": 30,
        "ge": 25,
        "cc": 15,
        "pv": 10
      },
      "driver": "Product rules, taxes and dependable public execution receive more weight.",
      "outside": "Imported inputs, household demand and price pass-through remain unscored."
    },
    {
      "name": "Consumer retail",
      "weights": {
        "rl": 20,
        "rq": 35,
        "ge": 15,
        "cc": 20,
        "pv": 10
      },
      "driver": "Import and tax rules receive more weight in this domestic sales model.",
      "outside": "Credit, remittance-funded demand and margins remain unscored."
    },
    {
      "name": "Construction & materials",
      "weights": {
        "rl": 30,
        "rq": 15,
        "ge": 25,
        "cc": 25,
        "pv": 5
      },
      "driver": "Contracts, public delivery and corruption controls receive more weight.",
      "outside": "Project debt, payment delays and imported-material costs need project evidence."
    },
    {
      "name": "Power & energy",
      "weights": {
        "rl": 20,
        "rq": 30,
        "ge": 30,
        "cc": 15,
        "pv": 5
      },
      "driver": "Tariffs, permits and public execution receive the largest combined weight.",
      "outside": "Fuel, hydrology, payment security and currency mismatch remain unscored."
    },
    {
      "name": "Apparel & exporters",
      "weights": {
        "rl": 20,
        "rq": 20,
        "ge": 30,
        "cc": 10,
        "pv": 20
      },
      "driver": "Customs, infrastructure and public execution receive more weight.",
      "outside": "US/EU orders, freight, imported inputs and FX receipts remain unscored."
    },
    {
      "name": "Healthcare",
      "weights": {
        "rl": 20,
        "rq": 35,
        "ge": 25,
        "cc": 10,
        "pv": 10
      },
      "driver": "Licensing, product rules and service execution receive more weight.",
      "outside": "Imported equipment, consumables and patient affordability remain unscored."
    }
  ],
  "source": "app.html#matrix",
  "scope": "Sri Lanka sector-model reasoning applied as illustrative institutional emphasis in every country. Cross-country sector weights are assumptions, not country-specific sector evidence."
}