Feature: Added MD Risk Checklist & Yield Sensitivity

main.py

@@ -232,13 +232,72 @@ def generate_advisory(signals, macro, fundamentals, last_private_price):
         except:
             pass
 
-    # 4. FORMATTING (Restore V1 Style)
+    # 4. YIELD SENSITIVITY (New)
+    yield_impact = "Neutral"
+    if macro['tnx'] > 4.5:
+        yield_impact = "Negative (High Rates)"
+    elif macro['tnx'] < 3.5:
+        yield_impact = "Positive (Low Rates)"
+
+    # 5. RISK CHECKLIST GENERATION
+    risk_matrix = []
+    
+    # Risk 1: Volatility
+    req_vix = "🟢" if macro['vix'] < 20 else ("🔴" if macro['vix'] > 25 else "🟡")
+    risk_matrix.append({
+        "factor": "Market Volatility (VIX)",
+        "status": f"{req_vix} {macro['vix']:.2f}",
+        "impact": "Constructive" if macro['vix'] < 20 else "Dislocated"
+    })
+    
+    # Risk 2: Valuation Gap (Down-Round)
+    if last_private_price:
+        try:
+            lpp = float(last_private_price)
+            gap_pct = ((high_px - lpp) / lpp) * 100
+            
+            if gap_pct < 0:
+                icon = "🔴"
+                impact_text = "Down-Round Risk"
+            elif gap_pct < 15:
+                icon = "🟡"
+                impact_text = "Flat/Small Uplift"
+            else:
+                icon = "🟢"
+                impact_text = "Accretive IPO"
+                
+            risk_matrix.append({
+                "factor": "Valuation Step-Up",
+                "status": f"{icon} {gap_pct:+.1f}%",
+                "impact": impact_text
+            })
+        except:
+            pass
+            
+    # Risk 3: Yield Environment
+    risk_matrix.append({
+        "factor": "Yield Environment (10Y)",
+        "status": f"{'🔴' if macro['tnx'] > 4.2 else '🟢'} {macro['tnx']:.2f}%",
+        "impact": "Valuation Drag" if macro['tnx'] > 4.2 else "Supportive"
+    })
+    
+    # Risk 4: Sector Health (Rule of 40)
+    avg_r40 = np.mean([f['rule_40'] for f in fundamentals]) if fundamentals else 0
+    risk_matrix.append({
+        "factor": "Sector Health (Rule of 40)",
+        "status": f"{'🟢' if avg_r40 >= 40 else '🟡'} {avg_r40:.0f}",
+        "impact": "Premium Multiples" if avg_r40 >= 40 else "Discount Applied"
+    })
+
+    # 6. FORMATTING (Restore V1 Style + Yield Note)
     final_text = (
         f"<b>Market Conditions:</b> {window_status} ({macro['vix']:.1f} VIX). "
         f"{advice_text}<br><br>"
         f"<b>Strategic Recommendation:</b> Based on current implied volatility and peer multiples (Avg {avg_ev_rev:.1f}x EV/Rev), "
         f"we recommend an initial pricing range of <b>${low_px:.2f} - ${high_px:.2f}</b> per share."
     )
+    if macro['tnx'] > 4.2:
+        final_text += " <br><i>Note: Valuation pressured by rising 10yr yields (>4.2%).</i>"
 
     return {
         'low': round(low_px, 2),
@@ -246,7 +305,8 @@ def generate_advisory(signals, macro, fundamentals, last_private_price):
         'sentiment': window_status,
         'color': window_color,
         'commentary': final_text,
-        'avg_ev_rev': avg_ev_rev
+        'avg_ev_rev': avg_ev_rev,
+        'risk_matrix': risk_matrix
     }
 
 # ==============================================================================