Methodology
Every score on the site is a 0–100 composite read the same way. This page defines the shared vocabulary and each composite’s components, weights and polarity.
Polarity rule
A higher score always means more pressure or stress. Any underlying series whose natural polarity differs (e.g. higher growth is good) is normalised before it reaches a score, so the direction is consistent everywhere — a rising score is deteriorating.
Vocabulary
The same two axes label every score, tile and component across the site.
Level — point-in-time severity
Trend — direction of travel
Composites
Each composite, what a high value means, its weighted components and update cadence.
Higher = more macro pressure on the economy.
Cadence: Annual (recomputed on each data refresh)
Computed in src/lib/macro-pressure.ts
Higher = more stress on UK mortgage holders.
Cadence: Daily rates · monthly lending/prices · quarterly arrears
Computed in src/lib/citysignals/mortgage-stress/scoring.ts
Higher = more pressure in the sector.
Cadence: Tracks the underlying signals (live UK micro data where available)
Computed in src/config/sector-health.ts
Higher = tighter / more stressed expected UK financial conditions.
Cadence: Recomputed from open forecast trackers
Computed in src/lib/citysignals/scoring.ts
