{"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":"2026-08-11T01:14:13.358515Z","insurance_lines":["E&O","Rep & warranty","Cyber"],"schema_version":"velaru-galactic-actuarial-1.0","tam_note":"$12T+ US residential origination \u00b7 every GSE seller/servicer","vertical_key":"mortgage","vertical_name":"AI Credit Scoring / Lending"}