[thih9]

To me this seems overly simplified. I'm sure there are other situations. I.e. I'm sure sometimes it's "pick three", "pick one", "you don't get to choose", or even "pick none".

And also, if you get a choice of "pick two", you could also: "pick one, balance the other two", "balance all three", etc.

Finally, high risk seems tied to high stress, as also mentioned in sibling comment [1].

[1]: https://news.ycombinator.com/item?id=25875828