One profile pick sets every dial at once — coherent points on an aggression axis. The margin rate is editable on its own, and an "Advanced — tune each" expander behind the preset lets you override any individual dial below; overriding one flips the profile to Custom, and picking a preset again re-bases them.
| Dial | Conservative | Balanced | Aggressive |
|---|---|---|---|
| Loan ceiling (maxBorrowPct) | 30% | 45% | 60% |
| Crash buffer (crashSurvivalPct) | 45% | 30% | 20% |
| Ramp per period (ltvRampPerPeriod) | 1% | 2% | 4% |
| Cash cushion (cashCushionMonths) | 3 months | 1 month | ½ month |
| Blended expected return | ~7% | ~13% | ~22% |
| Margin annual rate (editable) | 4.95% | 4.95% | 4.95% |
The aggressive HY sleeve carries negative NAV growth — the honest cost of a ~22% headline yield. Maintenance margin (≈ 33.5%) and the utilization buffer are broker facts, the same across profiles.
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