{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-09-06","forDate":"2026-09-06","headline":"Mortgage spread blows out as 10Y rallies; refi headwind deepens","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":51,"unit":"/100","band":"Thawing","statement":"Lending conditions read 51/100 — Thawing, holding. 30-year fixed at 6.71%, the 10Y–2Y curve flat."},"ledger":{"seq":63,"prevHash":"47c4d04893538533a6a90b8641e5347e9b861e23fc7cdd16805492e7c90f6884","rowHash":"ed9d34c875f6183cba2ccd1612bf18b8dbd87e97780e7a6c16077ea4561559d7","policyVersion":5},"anchor":{"status":"pending","headSeq":106,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=62&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."}}