{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-08-01","forDate":"2026-08-01","headline":"Mortgage spreads widen as 30-year fixed tops 6.66%, longest end outpaces Treasury curve","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":172,"prevHash":"dc3b24b00436f4f0d17035ad82e598bb6dfeff4fc431eff4a1935bf54c8da258","rowHash":"19469d2c9ee219fffb427be93adefac19801c1433dc851bcccd6dcf398a1183a","policyVersion":5},"anchor":{"status":"pending","headSeq":349,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=171&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."}}