How the answers are chosen
Each combination maps to one page, because the bottlenecks in this game are sequential: a hold problem blocks gold, gold blocks the next hull, and the hull blocks the next sea. The tool does not score you or guess your level. It reads the three answers and returns the page that unblocks the next step.
If two answers conflict, the blocker wins. Telling the tool you are at a sea boundary while your hold is flooding still sends you to the hold, because you will not reach the boundary with the cargo intact.
What it does not do
It does not know your account, your gold or your hull. Nothing on this page is saved and nothing is sent anywhere; the three answers live in the browser tab and disappear when you close it. If you want the numbers instead of the direction, use the gold calculator, and if you want the full directory, open all guides by situation, or check seas and islands for where the next one is.