用可穿戴设备追踪大脑精力与压力，实现动态认知能力监测

Human cognitive performance is constrained by limited mental resources, yet continuous computational estimation of cognitive capacity dynamics remains an open challenge. We propose a theory-driven multimodal learning framework that models capacity-related cognitive state as a two-dimensional physiological representation defined by voluntary resource allocation (mental effort) and overload-related strain (stress). The proposed architecture combines dual-stream encoding of cardiac (IBI/HRV) and electrodermal (EDA) signals with late fusion and task-specific output heads that independently estimate probabilistic effort and stress states. Evaluation on the SWELL-KW dataset using strict leave-one-subject-out cross-validation demonstrates cross-individual generalization (stress: 70.0\% balanced accuracy; effort: 72.2\%), with significant gains from multimodal integration and theory-guided supervision. Rather than collapsing physiological dynamics into a single workload label, the proposed effort--stress state-space enables structured differentiation between distinct cognitive regimes, including productive engagement and overload-related strain. Predicted state trajectories exhibit significant demand-sensitive shifts under controlled workload manipulations, with effort and stress responding differentially across interruption and time-pressure conditions. These results suggest that physiologically grounded multidimensional state representations may provide a foundation for adaptive systems capable of continuous capacity-aware monitoring and human-centered interaction.