{
 "contract_version": "0.1",
 "passport_id": "frc:claim:metro-gap-cleveland-oh-2025",
 "canonical_claim": {
  "template": "Within the 2025 Cleveland, OH metro record, observed FHA denial rates among high-volume lenders ranged from 6.4% to 80.1% — a gap of 73.7 percentage points.",
  "required_fields": [
   "period",
   "universe",
   "nature"
  ]
 },
 "required_qualifiers": {
  "period": "2025",
  "universe": "lenders with >=100 decisioned FHA applications in the Cleveland, OH metro",
  "nature": "observed rates, unadjusted for applicant mix; derived statistic, not in raw HMDA"
 },
 "does_not_establish": [
  "that the gap is caused by lender policy alone",
  "misconduct by any named lender",
  "expected outcome for any individual applicant",
  "that the gap applies to other metros or years"
 ],
 "forbidden_transformations": [
  "causal_attribution",
  "individual_prediction",
  "personalized_lender_recommendation",
  "legal_conclusion"
 ],
 "rule": "Free text is the OUTPUT of evidence, not its input. Certify before you write.",
 "current_value": "73.7pp"
}