{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-09-10","forDate":"2026-09-10","headline":"Mortgage spread widens as 30-year fixed climbs to 6.76%, outpacing Treasury moves","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":50,"unit":"/100","band":"Thawing","statement":"Lending conditions read 50/100 — Thawing, holding. 30-year fixed at 6.76%, the 10Y–2Y curve flat."},"ledger":{"seq":91,"prevHash":"bc9282203fca51370c933b5561dad4aced9f8ab7f4587a642e10a20dfda2699a","rowHash":"f5a81491829984246047728ce19b087cb3e05949c45aa08fdd26cbb747d0b36f","policyVersion":5},"anchor":{"status":"pending","headSeq":106,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=90&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."}}