{
  "report_rows": [
    {
      "kpi": "Adjusted diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.64 vs. cons $0.61",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Commission revenue",
      "prediction": "BEAT",
      "answer": "pred ~$645M vs. cons $628M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "BEAT",
      "answer": "pred ~$922M vs. cons $907M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Quarterly net new customer accounts / customer-acquisition commentary",
      "prediction": "BETTER",
      "answer": "guide ~350k net new accounts vs. cons 320k (3Q26)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Annualized NII sensitivity to a 25-bp decline in relevant short-term rates",
      "prediction": "BETTER",
      "answer": "guide ~$105M annual NII headwind vs. cons $115M (2H26 run-rate)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 4.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 6.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "A broad beat across EPS, commissions, and NII would pair with stronger account-acquisition commentary, supporting upward revisions to 2H26 and 2027 earnings despite the lower-rate backdrop; pred +6.5% vs. cons +2.0% (5-day residual).",
  "day5_confidence": "MEDIUM"
}