{
  "report_rows": [
    {
      "kpi": "Operating EPS",
      "prediction": "IN-LINE",
      "answer": "pred ~$2.32 vs. cons $2.339",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Variable investment income",
      "prediction": "MISS",
      "answer": "pred ~$245M vs. cons $267.9M",
      "confidence": "HIGH"
    },
    {
      "kpi": "Group Benefits interest-adjusted benefit ratio",
      "prediction": "IN-LINE",
      "answer": "pred ~75.0% vs. cons 74.3%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 VII",
      "prediction": "UNCHANGED",
      "answer": "guide ~$1.6B vs. cons $1.590B",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY26 RIS adjusted earnings",
      "prediction": "UNCHANGED",
      "answer": "guide $1.6B-$1.8B vs. cons UNVERIFIED",
      "confidence": "LOW"
    },
    {
      "kpi": "Group Benefits 2H non-medical health trend",
      "prediction": "UNCHANGED",
      "answer": "guide moderation vs. cons UNVERIFIED",
      "confidence": "LOW"
    },
    {
      "kpi": "3Q VII commentary",
      "prediction": "UNCHANGED",
      "answer": "guide constructive backdrop vs. cons UNVERIFIED",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": -1.5,
  "day1_confidence": "LOW",
  "day5_residual_pct": -2.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 maintained outlook and weak near-term VII mix should weigh on forward estimates",
  "day5_confidence": "LOW"
}