{"scheme":"rc-ledger-v1","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-08-10","forDate":"2026-08-10","headline":"Mortgage spreads hold firm as short rates tick up faster than long","confidence":0.83,"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":229,"prevHash":"a16740fadc86e5dc64b7774e8a15e91b64b80f1dfc2ba86b7545d9e7328eb44f","rowHash":"8d9d195fd5ec53d2806d847a4a1388a818185825d4b0ba5e067c7eb61c2e82f2","constitutionVersion":5},"anchor":{"status":"pending","headSeq":293,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=228&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."}}