{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-09-25","forDate":"2026-09-25","headline":"Mortgage Spreads Widen as Rate Curve Flattens; 30-Year Fixed Jumps to 7.03%","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":44,"unit":"/100","band":"Tight","statement":"Lending conditions read 44/100 — Tight, holding. 30-year fixed at 7.03%, the 10Y–2Y curve flat."},"ledger":{"seq":182,"prevHash":"9e7ff41b8ffa92cde0df198e9cc8a05336b77d2d55cc1cfba5e35458c4951bb2","rowHash":"23aa032cc69009ed3c784830d6fb75e4061201d3f3a14bea7fe391181a4ddf5e","policyVersion":5},"anchor":{"status":"pending","headSeq":253,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=181&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."}}