def build_resiliency_html(sens_report, stress_report):
    sens_rows = ""
    if "report" in sens_report:
        s_report = sens_report["report"]
    else:
        s_report = sens_report
        
    for t, data in s_report.items():
        if data['max'] > 0.01 or data['min'] < -0.01:
            fragile = data['spread'] > 0.15
            s_col = "#f85149" if fragile else "#3fb950"
            sens_rows += (
                f"<tr><td><strong>{t}</strong></td>"
                f"<td>{data['optimal']*100:.1f}%</td>"
                f"<td>{data['min']*100:.1f}%</td>"
                f"<td>{data['max']*100:.1f}%</td>"
                f"<td style='color:{s_col}'>{'[!] Fragile' if fragile else 'Stable'}</td></tr>"
            )
            
    stress_rows = ""
    for s in stress_report:
        c = "#f85149" if s['impact'] < -0.05 else ("#e3b341" if s['impact'] < 0 else "#3fb950")
        stress_rows += (
            f"<tr><td>{s['scenario']}</td><td>{s['trigger']}</td>"
            f"<td style='color:{c};font-weight:bold'>{s['impact']*100:+.2f}%</td></tr>"
        )
        
    resiliency_html = f"""
<p class="st">Systemic Resiliency &amp; Allocation Stability</p>
<div class="two">
  <div class="cc" style="overflow-x:auto">
    <p style="font-size:.8rem;color:#8b949e;margin-bottom:8px"><strong>Crash Scenarios</strong></p>
    <table><thead><tr><th>Scenario</th><th>Trigger</th><th>Impact</th></tr></thead>
    <tbody>{stress_rows}</tbody></table>
  </div>
  <div class="cc" style="overflow-x:auto">
    <p style="font-size:.8rem;color:#8b949e;margin-bottom:8px"><strong>Sensitivity (±10% noise)</strong></p>
    <table><thead><tr><th>Ticker</th><th>Optimal</th><th>Min</th><th>Max</th><th>Status</th></tr></thead>
    <tbody>{sens_rows}</tbody></table>
  </div>
</div>"""
    return resiliency_html