{"ok":true,"methodology_version":"1.1.0","real_days_captured":81,"series_start":"2026-06-21","series_stats":{"mean":64.21,"min":52,"max":74,"stdev":4.88,"latest":62,"net_change":-6},"lead_lag":{"status":"active","min_days_required":60,"days_remaining":0,"targets":["CFPB complaint volume","NY Fed 90+ day delinquency"],"note":"Sufficient history captured — lead/lag study available to licensed partners."}}