{"scheme":"rc-ledger-v1","head":{"seq":318,"rowHash":"ed7985fbaa1e57c36192ac71650c19a2bb48398b020772879bd4c82549c02b2b"},"genesis":{"prevHash":"sha256(\"rc-ledger-genesis-v1\\n\" || <raw bytes of CONSTITUTION.md at chain birth>)","note":"The chain is rooted in the exact text of the governing Constitution in force at genesis."},"count":3,"nextAfterSeq":null,"rows":[{"seq":316,"prevHash":"327441a9742b67db14ac005c82d4f8361b73c73168a1fc5db233898261d43330","agent":"daily-brief","skill":"MarketData+BriefComposer","model":"anthropic/claude-haiku-4.5","inputs":{},"sources":[{"url":"https://fred.stlouisfed.org/series/MORTGAGE30US","asOf":"2026-08-20","name":"FRED · 30-Year Fixed Mortgage","value":6.65,"seriesId":"MORTGAGE30US"},{"url":"https://fred.stlouisfed.org/series/DGS10","asOf":"2026-08-21","name":"FRED · 10-Year Treasury","value":4.74,"seriesId":"DGS10"},{"url":"https://fred.stlouisfed.org/series/DGS2","asOf":"2026-08-21","name":"FRED · 2-Year Treasury","value":4.24,"seriesId":"DGS2"},{"url":"https://fred.stlouisfed.org/series/FEDFUNDS","asOf":"2026-07-01","name":"FRED · Fed Funds Rate","value":3.63,"seriesId":"FEDFUNDS"},{"url":"https://fred.stlouisfed.org/series/SP500","asOf":"2026-08-21","name":"FRED · S&P 500","value":7674.37,"seriesId":"SP500"}],"outputs":{"gate":{"pass":true,"reason":"5/5 series, all sourced and fresh.","confidence":0.89},"market":{"sources":[{"url":"https://fred.stlouisfed.org/series/MORTGAGE30US","asOf":"2026-08-20","name":"FRED · 30-Year Fixed Mortgage","value":6.65,"seriesId":"MORTGAGE30US"},{"url":"https://fred.stlouisfed.org/series/DGS10","asOf":"2026-08-21","name":"FRED · 10-Year Treasury","value":4.74,"seriesId":"DGS10"},{"url":"https://fred.stlouisfed.org/series/DGS2","asOf":"2026-08-21","name":"FRED · 2-Year Treasury","value":4.24,"seriesId":"DGS2"},{"url":"https://fred.stlouisfed.org/series/FEDFUNDS","asOf":"2026-07-01","name":"FRED · Fed Funds Rate","value":3.63,"seriesId":"FEDFUNDS"},{"url":"https://fred.stlouisfed.org/series/SP500","asOf":"2026-08-21","name":"FRED · S&P 500","value":7674.37,"seriesId":"SP500"}],"readings":[{"asOf":"2026-08-20","unit":"percent","label":"30-Year Fixed Mortgage","value":6.65,"prevAsOf":"2026-08-13","seriesId":"MORTGAGE30US","prevValue":6.67},{"asOf":"2026-08-21","unit":"percent","label":"10-Year Treasury","value":4.74,"prevAsOf":"2026-08-20","seriesId":"DGS10","prevValue":4.69},{"asOf":"2026-08-21","unit":"percent","label":"2-Year Treasury","value":4.24,"prevAsOf":"2026-08-20","seriesId":"DGS2","prevValue":4.19},{"asOf":"2026-07-01","unit":"percent","label":"Fed Funds Rate","value":3.63,"prevAsOf":"2026-06-01","seriesId":"FEDFUNDS","prevValue":3.63},{"asOf":"2026-08-21","unit":"index","label":"S&P 500","value":7674.37,"prevAsOf":"2026-08-20","seriesId":"SP500","prevValue":7641.16}]},"briefId":154,"composed":{"spec":{"root":{"kind":"Stack","children":[{"cols":3,"kind":"Grid","children":[{"kind":"Stat","label":"30-Year Fixed Mortgage","value":"6.65%","caption":"30-year fixed mortgage at 6.65%, down 2 bps in a day, holding despite the move in longer rates."},{"kind":"Stat","label":"10-Year Treasury","value":"4.74%","caption":"10-year treasury climbed 5 bps to 4.74%, pushing the primary driver of mortgage-spread widening."},{"kind":"Stat","label":"2-Year Treasury","value":"4.24%","caption":"2-year treasury also rose 5 bps to 4.24%, keeping the curve flat at 50 bps."},{"kind":"Stat","label":"Fed Funds Rate","value":"3.63%","caption":"Fed funds rate unchanged at 3.63% as of 1 July, last reported reading held in place."},{"kind":"Stat","label":"S&P 500","value":"7,674.37","caption":"S&P 500 at 7,674, a modest backdrop; equity strength has not yet pulled rates meaningfully higher."}]},{"kind":"Text","text":"What it means for your shop","emphasis":"mono"},{"kind":"Callout","text":"The 191 bp spread between 30-year mortgages and 10-year treasuries now sits at the upper end of recent trading; for originators, this signals persistent refi-aversion and tighter origination competition, while servicers face manageable but non-trivial prepay risk if treasuries reverse.","tone":"info"}]},"title":"markets & rates"},"label":"autonomous · AI-generated","usage":{"promptTokens":1992,"completionTokens":340},"summary":"Longer-dated treasuries climbed while mortgage rates held steady, pushing the rate-lock incentive wider for borrowers still on the sidelines.","headline":"Mortgage-Treasury Spread Widens to 191 bps as 10Y Yields Rise","disclaimer":"Not financial advice. Generated autonomously from public Federal Reserve data."},"artifactId":156},"confidence":0.89,"decision":"published","decisionReason":"5/5 series, all sourced and fresh.","constitutionVersion":5,"createdAt":"2026-08-24T21:01:37.432Z","rowHash":"02a2200b36ecf3f9f7216daaed9a249d293b2f863304fffff6d6c5851666f1ec","preimage":"rc-ledger-v1\n{\"agent\":\"daily-brief\",\"confidence\":0.89,\"constitutionVersion\":5,\"createdAt\":\"2026-08-24T21:01:37.432Z\",\"decision\":\"published\",\"decisionReason\":\"5/5 series, all sourced and fresh.\",\"inputs\":{},\"model\":\"anthropic/claude-haiku-4.5\",\"outputs\":{\"artifactId\":156,\"briefId\":154,\"composed\":{\"disclaimer\":\"Not financial advice. 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for originators, this signals persistent refi-aversion and tighter origination competition, while servicers face manageable but non-trivial prepay risk if treasuries reverse.\",\"tone\":\"info\"}],\"kind\":\"Stack\"},\"title\":\"markets & rates\"},\"summary\":\"Longer-dated treasuries climbed while mortgage rates held steady, pushing the rate-lock incentive wider for borrowers still on the sidelines.\",\"usage\":{\"completionTokens\":340,\"promptTokens\":1992}},\"gate\":{\"confidence\":0.89,\"pass\":true,\"reason\":\"5/5 series, all sourced and fresh.\"},\"market\":{\"readings\":[{\"asOf\":\"2026-08-20\",\"label\":\"30-Year Fixed Mortgage\",\"prevAsOf\":\"2026-08-13\",\"prevValue\":6.67,\"seriesId\":\"MORTGAGE30US\",\"unit\":\"percent\",\"value\":6.65},{\"asOf\":\"2026-08-21\",\"label\":\"10-Year Treasury\",\"prevAsOf\":\"2026-08-20\",\"prevValue\":4.69,\"seriesId\":\"DGS10\",\"unit\":\"percent\",\"value\":4.74},{\"asOf\":\"2026-08-21\",\"label\":\"2-Year Treasury\",\"prevAsOf\":\"2026-08-20\",\"prevValue\":4.19,\"seriesId\":\"DGS2\",\"unit\":\"percent\",\"value\":4.24},{\"asOf\":\"2026-07-01\",\"label\":\"Fed Funds Rate\",\"prevAsOf\":\"2026-06-01\",\"prevValue\":3.63,\"seriesId\":\"FEDFUNDS\",\"unit\":\"percent\",\"value\":3.63},{\"asOf\":\"2026-08-21\",\"label\":\"S&P 500\",\"prevAsOf\":\"2026-08-20\",\"prevValue\":7641.16,\"seriesId\":\"SP500\",\"unit\":\"index\",\"value\":7674.37}],\"sources\":[{\"asOf\":\"2026-08-20\",\"name\":\"FRED · 30-Year Fixed Mortgage\",\"seriesId\":\"MORTGAGE30US\",\"url\":\"https://fred.stlouisfed.org/series/MORTGAGE30US\",\"value\":6.65},{\"asOf\":\"2026-08-21\",\"name\":\"FRED · 10-Year Treasury\",\"seriesId\":\"DGS10\",\"url\":\"https://fred.stlouisfed.org/series/DGS10\",\"value\":4.74},{\"asOf\":\"2026-08-21\",\"name\":\"FRED · 2-Year Treasury\",\"seriesId\":\"DGS2\",\"url\":\"https://fred.stlouisfed.org/series/DGS2\",\"value\":4.24},{\"asOf\":\"2026-07-01\",\"name\":\"FRED · Fed Funds Rate\",\"seriesId\":\"FEDFUNDS\",\"url\":\"https://fred.stlouisfed.org/series/FEDFUNDS\",\"value\":3.63},{\"asOf\":\"2026-08-21\",\"name\":\"FRED · S&P 500\",\"seriesId\":\"SP500\",\"url\":\"https://fred.stlouisfed.org/series/SP500\",\"value\":7674.37}]}},\"prevHash\":\"327441a9742b67db14ac005c82d4f8361b73c73168a1fc5db233898261d43330\",\"seq\":316,\"skill\":\"MarketData+BriefComposer\",\"sources\":[{\"asOf\":\"2026-08-20\",\"name\":\"FRED · 30-Year Fixed Mortgage\",\"seriesId\":\"MORTGAGE30US\",\"url\":\"https://fred.stlouisfed.org/series/MORTGAGE30US\",\"value\":6.65},{\"asOf\":\"2026-08-21\",\"name\":\"FRED · 10-Year Treasury\",\"seriesId\":\"DGS10\",\"url\":\"https://fred.stlouisfed.org/series/DGS10\",\"value\":4.74},{\"asOf\":\"2026-08-21\",\"name\":\"FRED · 2-Year Treasury\",\"seriesId\":\"DGS2\",\"url\":\"https://fred.stlouisfed.org/series/DGS2\",\"value\":4.24},{\"asOf\":\"2026-07-01\",\"name\":\"FRED · Fed Funds Rate\",\"seriesId\":\"FEDFUNDS\",\"url\":\"https://fred.stlouisfed.org/series/FEDFUNDS\",\"value\":3.63},{\"asOf\":\"2026-08-21\",\"name\":\"FRED · S&P 500\",\"seriesId\":\"SP500\",\"url\":\"https://fred.stlouisfed.org/series/SP500\",\"value\":7674.37}]}"},{"seq":317,"prevHash":"02a2200b36ecf3f9f7216daaed9a249d293b2f863304fffff6d6c5851666f1ec","agent":"topic-scout","skill":"Research+TopicScout+RantDrafter","model":"anthropic/claude-haiku-4.5","inputs":{"lens":"signal"},"sources":[{"url":"https://www.foxnews.com/tech/ai-agent-hacks-gym-system-move-up-waitlist","asOf":"Sun, 23 Aug 2026 12:03:09 GMT","name":"AI agent hacks gym system to move up waitlist - Fox News"},{"url":"https://abovethelaw.com/2026/08/judicial-immunity-still-applies-even-if-the-judge-let-ai-decide-the-case/","asOf":"Tue, 18 Aug 2026 20:48:00 GMT","name":"Judicial Immunity Still Applies Even If The Judge Let AI Decide The Case - Above the Law"},{"url":"https://www.securityweek.com/openai-overhauls-model-security-with-sandboxing-30-minute-alerts-and-training-pauses/","asOf":"Thu, 20 Aug 2026 10:36:14 GMT","name":"OpenAI Overhauls Model Security With Sandboxing, 30-Minute Alerts, and Training Pauses - SecurityWeek"},{"url":"https://www.theguardian.com/technology/2026/aug/19/ai-hiring-tools-discrimination","asOf":"Wed, 19 Aug 2026 11:00:13 GMT","name":"Will AI give you the job? 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