{"scheme":"rc-ledger-v1","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-08-24","forDate":"2026-08-24","headline":"Mortgage-Treasury Spread Widens to 191 bps as 10Y Yields Rise","confidence":0.89,"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":316,"prevHash":"327441a9742b67db14ac005c82d4f8361b73c73168a1fc5db233898261d43330","rowHash":"02a2200b36ecf3f9f7216daaed9a249d293b2f863304fffff6d6c5851666f1ec","constitutionVersion":5},"anchor":{"status":"pending","headSeq":317,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=315&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."}}