you could also say they didn’t have a source for additional savings in the ability section.
maybe i misread the question, i don’t remember circling anything but to prepare the risk objectives section of the IPS. But I gave 3-4 reasons (2 for ability 2 for will) why their total risk tolerance was below average, anyways guess I had a brainf^&* at that time. sorry for the unintended confusion
??impled liabilty?? thought their desire to leave a bequest to the sons was an “implied” liability