The document discusses various causes and effects of stress. It notes that moderate stress can be beneficial, but chronic stress takes a physical and emotional toll. Chronic stress can lead to feelings of hopelessness and issues like headaches, stomach pain, and difficulty sleeping. The document examines common stressors by gender, with women most stressed by conflicts with people and men most stressed by job loss and legal/work issues. It is reported that 66% of doctor visits are stress-related, with 50% experiencing moderate to high stress and 24% severe stress. The top causes of stress include work, family responsibilities, health issues, finances, and school or tuition payments.