{
  "report_rows": [
    {
      "kpi": "Operating EPS",
      "prediction": "BEAT",
      "answer": "pred ~$3.75 vs. cons $3.69",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Life underwriting margin",
      "prediction": "IN-LINE",
      "answer": "pred ~41.3% vs. cons 41.19%",
      "confidence": "LOW"
    },
    {
      "kpi": "Health underwriting margin",
      "prediction": "BEAT",
      "answer": "pred ~25.7% vs. cons 25.02%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 operating EPS",
      "prediction": "UNCHANGED",
      "answer": "guide ~$15.40-$15.90 vs. cons $15.67",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 life underwriting margin",
      "prediction": "UNCHANGED",
      "answer": "guide ~42%-45% vs. cons 43.64%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 health underwriting margin",
      "prediction": "BETTER",
      "answer": "guide ~23%-27% vs. cons 24.72%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "AIL agent-count / Bermuda commentary (2H26 / 2027)",
      "prediction": "UNKNOWN",
      "answer": "guide ~reiterate recovery/progress vs. cons UNVERIFIED",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": -2.0,
  "day1_confidence": "LOW",
  "day5_residual_pct": -3.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 rich setup and a maintain guide imply modest multiple compression",
  "day5_confidence": "LOW"
}