{"scheme":"vaspera-mesh-ledger-v2","generatedBy":"https://ryancolkitt.com","brief":{"slug":"2026-10-05","forDate":"2026-10-05","headline":"Mortgage rates jump 25 bps as Treasury curve steepens; 30-year hits 7.28%","confidence":0.89,"label":"autonomous · AI-generated","disclaimer":"Not financial advice. Generated autonomously from public Federal Reserve data."},"call":{"key":"lending_index","label":"Lending Conditions","value":41,"unit":"/100","band":"Tight","statement":"Lending conditions read 41/100 — Tight, holding. 30-year fixed at 7.28%, the 10Y–2Y curve flat."},"ledger":{"seq":248,"prevHash":"d555f774a1423306d2f185a77614295b184071d506235006ba6c17aacfa14370","rowHash":"f56f253b73a1e198d5bde3140eaddfb28fe60d83846866c89785e7c8dfda9b3d","policyVersion":5},"anchor":{"status":"pending","headSeq":253,"bitcoinHeight":null,"witnessedAt":null,"coversThisRow":false},"verify":{"row":"https://ryancolkitt.com/api/ledger/export?afterSeq=247&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."}}