{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "IN-LINE",
      "answer": "pred ~$1.88 vs. cons $1.865",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Medical benefit ratio",
      "prediction": "IN-LINE",
      "answer": "pred ~89.1% vs. cons 89.23%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "HCB operating income",
      "prediction": "BEAT",
      "answer": "pred ~$1.50B vs. cons $1.475B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Adjusted EPS (FY26)",
      "prediction": "UNCHANGED",
      "answer": "guide ~$7.30-$7.50 vs. cons $7.470",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "HCB operating income (FY26)",
      "prediction": "LOWER",
      "answer": "guide ~$4.00-$4.34B vs. cons $4.34B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "MBR / medical-cost tone (FY26)",
      "prediction": "UNCHANGED",
      "answer": "guide ~90.5% +/-50 bps vs. cons 90.23%",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": -2.0,
  "day1_confidence": "LOW",
  "day5_residual_pct": -3.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 maintained FY guide implies a modest H2 EPS cut",
  "day5_confidence": "LOW"
}