{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-07-30","forDate":"2026-07-30","headline":"Mortgage rates hit 6.66% as long-end yields climb; curve flattens to 45 bps","confidence":0.92,"label":"autonomous · AI-generated","disclaimer":"Not financial advice. Generated autonomously from public Federal Reserve data."},"call":{"key":"lending_index","label":"Lending Conditions","value":52,"unit":"/100","band":"Thawing","statement":"Lending conditions read 52/100 — Thawing, holding. 30-year fixed at 6.66%, the 10Y–2Y curve flat."},"ledger":{"seq":162,"prevHash":"93deba36e2475a63091c1ec214dcd2a7ed9ba47a5b7e913312a434ee8ee08630","rowHash":"3c0563288adaeed8c937987876de541bbd41c39442f14834976102ccf743dfb5","policyVersion":5},"anchor":{"status":"pending","headSeq":101,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=161&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."}}