1. The document proposes a new multi-dimensional model to understand the comorbidity of stress, depressive, and somatic disorders. 2. The traditional model is challenged, as it does not explain what happens between threat assessment and symptom manifestation, or the dual nature of the ANS, HPA, and HPT axes. 3. The new model suggests that assessing an event as threatening causes real stress-induced hypothermia, leading to primary central GABAergic hypofunction and secondary hyperfunction of serotonin, norepinephrine, and dopamine. Physiological and behavioral stress responses then aim to regain the lowered body temperature set-point.