{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-09-12","forDate":"2026-09-12","headline":"Mortgage Spread Widens as Treasury Curve Steepens","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":101,"prevHash":"2e290aad384724e87d7e398e7e13cd204e40f5939bd1b4c281938e35e7fc8a3f","rowHash":"a8ae87b54a307a9e20a0576c385ada877940b64c19c7d18009b410f058413d46","policyVersion":5},"anchor":{"status":"pending","headSeq":106,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=100&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."}}