{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-09-14","forDate":"2026-09-14","headline":"Mortgage spread widens as short rates jump, but curve stays flat","confidence":0.83,"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":118,"prevHash":"14cae1a08543ee7ef42cb4ea67df06047315388bfc9bf42f13f7afb9dfe4aa1c","rowHash":"93fbce7b1b6bf8c37b0e8f6dfaee207143a6109343be0bf9221abd0520ba30e7","policyVersion":5},"anchor":{"status":"pending","headSeq":253,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=117&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."}}