How are Stress and Morale actually calculated?

Long story short.

Just started the game and I had been having a blast learning it, but then I ended up wasting quite a lot of time trying to get a decent score on 23 Megabytes.

I do understand the scoring system, but I struggled on this mission way fucking more than the one right after.

In 23 Megabytes I had to flash people like 2 times and have a full team breach in to have them surrender. I would breach onto an asshole, beanbag his ass, shout at him and he would just stare down the barrel of 3 officers and shoot at me.

In comparison, in Twisted Nerve right after I costantly had people just kiss the floor as soon as one of them got flashbanged, a junkie got a bullet to the cranium or even just shoot at them from the door. A few have ended up dead without solution, but it was my first run of it, it made sense.