{
  "report_rows": [
    {
      "kpi": "Adjusted diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.88 vs. cons $0.76",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Consolidated health benefits ratio",
      "prediction": "IN-LINE",
      "answer": "pred ~90.1% vs. cons 90.2%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Marketplace pretax margin / risk-adjustment realization",
      "prediction": "BEAT",
      "answer": "pred ~3.8% vs. cons 3.5%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Adjusted diluted EPS outlook",
      "prediction": "BETTER",
      "answer": "guide >$3.60 vs. cons $3.55 (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Consolidated health benefits ratio outlook",
      "prediction": "BETTER",
      "answer": "guide ~91.2% vs. cons 91.3% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Marketplace pretax-margin commentary",
      "prediction": "BETTER",
      "answer": "guide ~3.8% vs. cons 3.6% (FY2026)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 4.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 6.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "A confirmed Marketplace receivable and a FY2026 EPS-guide increase of roughly $0.20 versus the prior >$3.40 floor should drive FY2026/FY2027 estimate revisions higher by about $0.15/$0.25, supporting follow-through rather than a beat-and-fade.",
  "day5_confidence": "MEDIUM"
}