{
  "report_rows": [
    {
      "kpi": "Total Customer DARTs (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~4,828K vs. cons 4,666K (Visible Alpha, Jul 17 2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "Net Interest Income (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1,040-1,050M vs. cons $1,014M (Visible Alpha, Jul 17 2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Operating EPS (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$0.65-0.67 vs. cons $0.628 (Visible Alpha, Jul 17 2026)",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "DARTs / Engagement Tone (Q3 2026 forward)",
      "prediction": "BETTER",
      "answer": "guide bullish; Jun exit 5,269K vs. Q3 FY avg cons 4,627K (Visible Alpha, Jul 17 2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "NII Durability / Rate Sensitivity (qualitative, Q3 2026 forward)",
      "prediction": "BETTER",
      "answer": "tone positive; margin loan growth offsets rate risk; no formal number vs. cons $1,014M Q2 (Visible Alpha, Jul 17 2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Account Growth (Q3 2026 forward)",
      "prediction": "UNCHANGED",
      "answer": "reaffirm strong momentum; Jun exit 5,185K vs. Q3 cons 5,513K (Visible Alpha, Jul 17 2026)",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 5.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 6.0,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 FY EPS estimates revise from $2.573 toward $2.62+; Q3 guide bullish given June exit rate; sell-side models off forward commentary",
  "day5_confidence": "MEDIUM"
}