Schweser Vol1 2AM Q1- risk tolerance long, job, anything, indicate, ability

Rasec

I’ve spent so much time on these but I just don’t get Schweser’s response on this one. For ability to take risk, they stated that the Smythes are below average but I don’t see anything that should indicate less ability? They have an income need of $116,438 on a 3.75m portfolio, which is just above 3% of the portfolio. Hubby still has a job and they have a long time horizon… what am I missing??