Twenty statements, four for each of the five ways people handle money: holding on, spending as it arrives, looking away from the numbers, keeping score, and looking straight at it. You rate every statement on a five-point scale, and the four answers behind each pattern are added into a score from 0 to 100. Your highest score is the pattern you are leading with. Your clarity score averages two things: how strongly the clear-ledger items show up, and how little the other four fired — which is why it can read mid when your two halves disagree with each other. The clarity score is banded into four levels — Hazy, Patchy, Clearing, Clear. If your top two land within one answer of each other, the page says so, because most people run two of these at once. The five patterns are UMBRA's own way of describing money habits — every statement, and the scoring behind it, was written by us, and no clinical instrument, financial assessment or third-party questionnaire was used. A high or low score here is not a diagnosis of anything and is not financial advice: holding on, spending, looking away and keeping score are all ordinary ways of handling money, and a page cannot tell you what your history with it means.