{"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":"2026-08-11T01:11:55.382308Z","insurance_lines":["Product liability","Clinical trial E&O"],"schema_version":"velaru-galactic-actuarial-1.0","tam_note":"$200B+ pharma R&D \u00b7 AI in trial design exploding","vertical_key":"pharma","vertical_name":"Pharma / Clinical Trials"}