{"scheme":"rc-ledger-v1","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-08-12","forDate":"2026-08-12","headline":"Mortgage-Treasury Spread Widens as Rates Stabilize Ahead of Data","confidence":0.84,"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":240,"prevHash":"9053cd4aa90e1d2e2ada7a2b70ac6fe1d352e5a7500db8198384c27f3304b12e","rowHash":"86f7af4de04589ddef8dff042a0b290746cfbb23cb674060fba7cdfe45723715","constitutionVersion":5},"anchor":{"status":"pending","headSeq":293,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=239&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."}}