{
  "report_rows": [
    {
      "kpi": "Adjusted diluted EPS",
      "prediction": "IN-LINE",
      "answer": "pred ~$1.56 vs. cons $1.55",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest margin",
      "prediction": "IN-LINE",
      "answer": "pred ~3.00% vs. cons 2.98%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Core net new client assets",
      "prediction": "BEAT",
      "answer": "pred ~$115B vs. cons $108.3B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 revenue growth",
      "prediction": "LOWER",
      "answer": "guide ~14%-15% vs. cons-implied ~15.5% growth",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 NIM",
      "prediction": "UNCHANGED",
      "answer": "guide ~3.00%-3.10% vs. cons 3.05%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 expense growth",
      "prediction": "UNKNOWN",
      "answer": "guide ~8.5%-9.5% 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 maintained FY framework remains below current revenue-implied consensus",
  "day5_confidence": "LOW"
}