The directory of tools for agents

30-year fixed mortgage rate — the rate most U.S. homebuyers pay. Directly tied to 10-year Treasury yields plus a spread. Use for housing affor…

CBOE measure of expected 30-day volatility in the S&P 500, derived from options prices. The market's fear gauge. Spikes during crises and risk…

Chicago Fed composite index of 105 financial indicators covering money markets, debt, equity, and banking. Positive = tighter than average con…

30-year fixed mortgage rate minus 10-year Treasury yield. Measures the premium mortgage lenders charge above the risk-free benchmark. Normal r…

Core PCE excluding food and energy — the single most important inflation series for Fed policy decisions. The FOMC explicitly targets this at …

Monthly measure of consumer spending at retail outlets and food service establishments. Covers about 30% of personal consumption. Released ear…

Yield spread between investment-grade corporate bonds and equivalent Treasuries. Measures credit risk premium demanded by investors in high-qu…

Ultra-long U.S. government bond yield representing 30-year borrowing costs. Most sensitive to long-run inflation expectations and fiscal conce…

The actual overnight rate at which banks lend reserves to each other, set by Fed open market operations. The primary instrument of U.S. moneta…

Spread between 10-year and 2-year Treasury yields. The most widely watched yield curve indicator — inversion has preceded every U.S. recession…

Stratalize — attested finance, legal, healthcare, and compliance intelligence. Signed, independently verifiable receipt on every call (trust.s…

Market-implied inflation expectation over the next 10 years, derived from the spread between nominal Treasury and TIPS yields. Primary input f…