问题如下：
After interviewing a client in order to prepare a written investment policy statement (IPS), you have established the following:
• The client has earnings that have exceeded €120,000 (pre-tax) each year for the past five years.
• She has no dependents.
• The client’s subsistence needs are approximately €45,000 per year.
• The client states that she feels uncomfortable with her lack of understanding of securities markets.
• All of the client’s current savings are invested in short-term securities guaranteed by an agency of her national government.
• The client’s responses to a standard risk assessment questionnaire suggest she has low risk tolerance.
The client is best described as having a:
选项：
A.low ability to take risk, but a high willingness to take risk.
B.high ability to take risk, but a low willingness to take risk.
C.high ability to take risk and a high willingness to take risk.
解释：
B is correct.
On the one hand, the client has a stable, high income and no dependents. On the other hand, she exhibits above average risk aversion. Her ability to take risk is high, but her willingness to take risk is low.
选项 B 中的but a low willingness to take risk.，是因为最后一个条件，questionnaire中的体现么？
另外，short term security 是说她买了很多短期股票，又是委托她的 national gov 的代理商？这个该怎么判断？我看到股票的话应该直接反应是 high risk tolerance？不是应该是 high willingness to take risk 么？
