{"scheme":"rc-ledger-v1","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-08-22","forDate":"2026-08-22","headline":"Mortgage spreads widen as 10-year yields climb; curve stays shallow","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":53,"unit":"/100","band":"Thawing","statement":"Lending conditions read 53/100 — Thawing, holding. 30-year fixed at 6.65%, the 10Y–2Y curve positively sloped."},"ledger":{"seq":296,"prevHash":"28643a7e5b8a35773d868a35b56ecccb6a9f154d5540bf7ee285f62e99c65bb7","rowHash":"592b06e018026917fe8e74fc7fb441978f8f578b7fd9350d9e30e3e445fe8ecf","constitutionVersion":5},"anchor":{"status":"pending","headSeq":293,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=295&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."}}