{"scheme":"rc-ledger-v1","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-08-06","forDate":"2026-08-06","headline":"Mortgage spread widens to 206 bps as 30-year fixed edges past 6.69%","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 6.69%, the 10Y–2Y curve flat."},"ledger":{"seq":202,"prevHash":"1669758a54f784496ffa34391b91210ad0511c53d1bde874981805412ebf82af","rowHash":"856a4e175c88890809d8abe194fb63aaf78433768a8982854ce78ef121f859fa","constitutionVersion":5},"anchor":{"status":"pending","headSeq":293,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=201&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."}}