{"scheme":"rc-ledger-v1","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-08-02","forDate":"2026-08-02","headline":"Mortgage spread widens to 198 bps as 30-year fixed hits 6.66%","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":177,"prevHash":"5eff1479bb8cacaf2e70cae4bd5624b7e490c4db5cca70716a5d74f7f65b25ea","rowHash":"fe3f10717d32765464ce71e74cb5dddfa028e59f3b8a8d8b08eb7791d9a4f103","constitutionVersion":5},"anchor":{"status":"pending","headSeq":177,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=176&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."}}