{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-09-17","forDate":"2026-09-17","headline":"Mortgage spread blows out to 194 bps as 30-year fixed jumps 19 bps in single session","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":45,"unit":"/100","band":"Tight","statement":"Lending conditions read 45/100 — Tight, tightening. 30-year fixed at 6.95%, the 10Y–2Y curve flat."},"ledger":{"seq":134,"prevHash":"cc92ec5942eac64d40f5d224ac9b35ce0c27bc86e6d62e8574d87643c1ec480c","rowHash":"7b7dd43c64fa45d076b9ae2de0ae43a7dfdc3362736ab92bc0912937f2288cae","policyVersion":5},"anchor":{"status":"pending","headSeq":253,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=133&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."}}