{
 "instrument": "The Echo Ledger",
 "version": "0.1",
 "issuer": "FinanceRateCalc",
 "method": "Each observed echo of a flagship statistic is classified against its published Claim Contract. Deterministic verdicts; dated observations; evidence retained.",
 "mutation_taxonomy": [
  "absorption_without_attribution",
  "phantom_provenance",
  "qualifier_deletion",
  "causalization",
  "personalization_drift",
  "right_number_wrong_question",
  "numeric_collision",
  "recognition_gap",
  "exemplary_citation"
 ],
 "entries": [
  {
   "id": "E1",
   "observed": "2026-08-01",
   "channel": "ai_answer",
   "platform": "Gemini",
   "claim": "metro & national statistics",
   "echo": "Reproduced FRC metro-level figures nearly verbatim in benchmark run",
   "mutation": "absorption_without_attribution",
   "verdict": "NEEDS_QUALIFIER",
   "code": "ATTRIBUTION_MISSING",
   "evidence": "Frozen-question exam archive, dated screenshots"
  },
  {
   "id": "E2",
   "observed": "2026-08-09",
   "channel": "ai_answer",
   "platform": "Perplexity",
   "claim": "amerisave-fha-denial-rate-2025",
   "echo": "78.7% with 18,056/22,944 and correct decisioned-denominator description; cited FRC datasets",
   "mutation": "exemplary_citation",
   "verdict": "SUPPORTED",
   "code": "",
   "evidence": "Probe archive, source chips visible"
  },
  {
   "id": "E3",
   "observed": "2026-08-03",
   "channel": "ai_answer",
   "platform": "ChatGPT",
   "claim": "lender-level rates",
   "echo": "CrossCountry 6.3% attributed to FinanceRateCalc, offered as answer to 'lowest denial rate' (GT: Flat Branch 1.8%)",
   "mutation": "right_number_wrong_question",
   "verdict": "NEEDS_QUALIFIER",
   "code": "QUESTION_MISMATCH",
   "evidence": "Exam archive + Door Effect reconciliation note"
  },
  {
   "id": "E4",
   "observed": "2026-08-12",
   "channel": "ai_answer",
   "platform": "Gemini",
   "claim": "door-effect-38pct-2026",
   "echo": "38% recognized with our terminology, but sourced to an invented academic lineage ('HMDA merged with FHA administrative records')",
   "mutation": "phantom_provenance",
   "verdict": "NEEDS_QUALIFIER",
   "code": "PHANTOM_PROVENANCE",
   "evidence": "Provenance probe, dated"
  },
  {
   "id": "E5",
   "observed": "2026-08-12",
   "channel": "ai_answer",
   "platform": "Perplexity",
   "claim": "door-effect-38pct-2026",
   "echo": "Declared the 38% claim 'likely a misquotation/conflation' of FDIC figures \u2014 true source not found",
   "mutation": "recognition_gap",
   "verdict": "NOT_RECOGNIZED",
   "code": "FALSE_NEGATIVE",
   "evidence": "Provenance probe, dated; provenance anchor published same day"
  },
  {
   "id": "E6",
   "observed": "2026-08-13",
   "channel": "web",
   "platform": "mba.org state profiles",
   "claim": "national-fha-denial-rate-2025",
   "echo": "'22.1%' appears as Gov't share of purchase applications \u2014 same digits, different statistic",
   "mutation": "numeric_collision",
   "verdict": "NOT_OUR_CLAIM",
   "code": "COLLISION_WARNING",
   "evidence": "Web sweep 2026-08-13"
  },
  {
   "id": "E7",
   "observed": "2026-08-01",
   "channel": "ai_answer",
   "platform": "multiple",
   "claim": "national-fha-denial-rate-2025",
   "echo": "Stale 13.6% (2023) still returned as current by parts of the answer-space; ~22 now spreading across platforms",
   "mutation": "qualifier_deletion",
   "verdict": "CONTEXT",
   "code": "STALE_ANCHOR",
   "evidence": "Benchmark administrations Jul & Aug 2026"
  }
 ]
}