client has big aset base but 75% of it is a concentrated stock of current employer. she will lose her job in 6 months - travel for next 6 months and after 1 yr believes will get a new job. no mention in the case of liquidity concerns … i take them as modest / minimal. ABILITY for risk: i believe its below avg only becoz although she has a big portfolio, but it cant be liquidated soon enuf to meet living exp in 6 mth timeframe that she’ll be out of job and will require funds for travel. so i went with below avg ability. but answer suggests its ABOVE AVG ability. any thoughts here?