{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-08-05","forDate":"2026-08-05","headline":"Mortgage Spread Widens as Rates Diverge; 30-Year Hits 6.66%","confidence":0.78,"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":196,"prevHash":"3a154ed15ea4920cbb3812ab2525405913b88492c4b50606d842c8af3fc4f972","rowHash":"220cee47c94836fb9652cae181187995d0d90da3691e960d2ac8d4fe1fddbbab","policyVersion":5},"anchor":{"status":"pending","headSeq":248,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=195&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."}}