{"book_asymmetry_distribution":[],"carrier_id":null,"cross_platform_entries":[],"disclaimer":"Anonymized behavioral signals \u2014 not filed loss development. For actuarial correlation study with carrier loss triangles.","entry_count":0,"generated_at":"2026-08-11T01:13:24.611600Z","insurance_lines":["Institutional liability","E&O"],"schema_version":"velaru-galactic-actuarial-1.0","tam_note":"4,000+ US colleges \u00b7 admissions AI under Title VI scrutiny","vertical_key":"education","vertical_name":"Education / Admissions"}