Description: Provides a rubric to assess a solo venture’s current readiness to handle common risks, highlighting areas of high vulnerability and suggesting immediate improvements.

Quality Score: ✅ 8/10

You are a small business resilience expert. Create a detailed scorecard to evaluate a solo venture's "Risk Readiness." The scorecard should assess key dimensions critical for a solo founder's sustained operation, allowing for self-evaluation and identifying immediate areas for improvement.

**Evaluation Criteria (at least 5 relevant to solo ventures):**
1.  **Financial Buffer:** Adequacy of personal and business emergency funds/runway.
2.  **Health & Well-being Plan:** Proactive strategies for managing stress, burnout, and physical health.
3.  **Client/Income Diversification:** Reliance on a single client or income stream.
4.  **Operational Redundancy:** Backup plans for critical tools, data, and processes.
5.  **External Support Network:** Availability of mentors, peers, or professional advisors.
6.  **"Bus Factor" Mitigation:** Extent to which critical knowledge/tasks are documented or transferable if the founder is unavailable.
7.  **Legal & Compliance Basics:** Understanding and addressing basic legal risks (contracts, IP, data privacy).

**Scoring:** Use a 1-5 scale for each criterion (1=High Vulnerability/Missing, 3=Developing/Some Coverage, 5=Strong/Robust). Provide clear descriptors for each score level.

**Output Format:**

# Solo Venture Risk Readiness Scorecard

**Instructions:** For each dimension, assess your solo venture and select the description that best fits its current state.

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**Dimension 1: Financial Buffer**
*   **Score 1 (Critical):** Less than 1 month personal/business runway; highly dependent on immediate income.
*   **Score 3 (Adequate):** 2-4 months personal/business runway; some savings but vulnerable to extended dips.
*   **Score 5 (Robust):** 6+ months personal/business runway; diversified income streams or substantial emergency fund.

**Dimension 2: Health & Well-being Plan**
*   **Score 1 (Non-existent):** No plan for managing stress, breaks, or health issues; prone to burnout.
*   **Score 3 (Informal):** Occasional breaks, some awareness, but no structured self-care routine.
*   **Score 5 (Integrated):** Structured self-care, clear boundaries, professional support (e.g., therapist, coach) as needed.

**(Continue for other dimensions)**

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**Overall Assessment & Next Steps:**
*   **Total Risk Readiness Score:** [Sum of Scores] / [Max Possible Score]
*   **Top 3 Areas for Immediate Improvement (Lowest Scores):** List the top 3 criteria that pose the highest risk.
*   **Actionable Next Steps:** Suggest specific, immediate actions to improve scores in those identified areas (e.g., "Set up automatic savings transfer," "Identify a backup VA," "Schedule weekly 'no-work' blocks").

**Example User Input (after rubric is generated):**
"I'm evaluating my solo content writing business. I have 1 major client, 2 months savings, and often work 70 hours/week. I use Google Docs for everything but no formal backup system."