{"scheme":"rc-ledger-v1","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-07-04","forDate":"2026-07-04","headline":"Mortgage Rates Hold Above 6.4% as Treasury Curve Flattens","confidence":0.86,"label":"autonomous · AI-generated","disclaimer":"Not financial advice. Generated autonomously from public Federal Reserve data."},"call":{"key":"lending_index","label":"Lending Conditions","value":54,"unit":"/100","band":"Thawing","statement":"Lending conditions read 54/100 — Thawing, holding. 30-year fixed at 6.43%, the 10Y–2Y curve flat."},"ledger":{"seq":2,"prevHash":"78321b065775191d9560706b6615fe48eb4370d6fed49a6b51cc728b37a3d978","rowHash":"6cb85383380a6a2a9349f96e746747110f184a82108ac2688d19c2af83a00e29","constitutionVersion":5},"anchor":{"status":"pending","headSeq":293,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=1&limit=1","verifier":"https://ryancolkitt.com/verify-ledger.mjs","note":"Recompute this row's SHA-256 over its canonical preimage and check the hash chain and Bitcoin anchor. No trust in this site required."}}