{
  "report_rows": [
    {
      "kpi": "Operating diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$5.25 vs. cons $5.18",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Global Lifestyle adjusted EBITDA",
      "prediction": "BEAT",
      "answer": "pred ~$218M vs. cons $214M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Global Housing adjusted EBITDA",
      "prediction": "BEAT",
      "answer": "pred ~$225M vs. cons $219.5M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 adjusted EPS / EBITDA ex-cats",
      "prediction": "UNCHANGED",
      "answer": "guide: maintain low-single-digit reported / high-single-digit underlying growth; consensus UNVERIFIED",
      "confidence": "LOW"
    },
    {
      "kpi": "FY26 Global Lifestyle EBITDA",
      "prediction": "UNCHANGED",
      "answer": "guide ~10% growth, implying ~$881M vs. cons $885.5M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 Global Housing EBITDA ex-cats",
      "prediction": "UNCHANGED",
      "answer": "guide: maintain decline only modestly; consensus UNVERIFIED",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": -1.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": -3.0,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 maintained guide leaves no out-period upgrade",
  "day5_confidence": "MEDIUM"
}