{
 "as_of": "2026-11-08",
 "cmr": "us-cm-kg/NYSE/WU",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# Western Union CO (NYSE: WU) — research page\n\nAs of 2026-11-08 · us-cm-kg · record version 1\n\n## Identity and listing\n\nThe issuer is Western Union CO, listed on NYSE under ticker WU, with ISIN US9598021098 and LEI 28ID94QU1140NC23S047. Its security type is Corporate and its sector is 7389 Services-Business Services, NEC. Its jurisdiction is United States, Delaware, and its segment is not on the record. Its listing status is listed, not halted.\n\n## The disclosure read\n\nThe record holds 87 filings in the window 2025-11-08 to 2026-11-08, across 37 filing days. The median gap between filing days is 4.0 days. The latest filing is a results filing dated 2026-11-04, 4 days before the record date of 2026-11-08, and the median latency for the exchange is 4.0 days against 4 days for the sector. The exchange median cadence gap is 6.0 days and the sector median cadence gap is 5 days. The exchange median filings are 64.0 and the sector median filings are 70.\n\n## Auditor\n\nThe auditor of record is Ernst & Young LLP, located in Denver, Colorado. The record holds no auditor changes.\n\n## Events and halts\n\nThe record holds no listing, delisting or name change lines. The domicile change is not on the record, as EDGAR states no dated change of state of incorporation on a filing line. The segment move is not on the record, as the exchanges' tier transfers are not EDGAR filings. The halt flag shows listed, not halted.\n\n## Orderability\n\nThe outcome is not determinable, because the chapter's orderability section carries no client categories and so the outcome cannot name its client category. The rule version is acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, and the chapter is as of 2026-11-04.\n\n## Coverage\n\nThe issuer's investor-relations page names 20 research houses: Autonomous Research US, Barclays, Cantor Fitzgerald, Citi, Deutsche Bank Securities, FT Partners, Goldman Sachs, JMP Securities, JP Morgan, Keefe, Bruyette & Woods, Monness, Crespi, Hardt & Co., Inc., Morgan Stanley, Morningstar, Northcoast Research, Oppenheimer, RBC Capital Markets, Susquehanna Financial Group, UBS, William Blair and Wolfe Research.\n\n## Open research\n\nNo openly published research notes were found.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe sealed years that hold the issuer are 2021, 2022, 2023, 2024, 2025 and 2026. The market's earliest sealed date is 2021-01-04, and the live record began on 2026-09-12.\n\n## Sources\n\n10 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://www.sec.gov/files/company_tickers_exchange.json (identity.exchange)\n- https://www.sec.gov/data-research/sec-markets-data/fails-deliver-data (identity.isin)\n- https://data.sec.gov/submissions/CIK0001365135.json (identity.jurisdiction)\n- https://mapping.gleif.org/api/v2/isin-lei/latest/download (identity.lei)\n- https://mcp.us-cm-kg.ai/events/NYSE/WU (the disclosure lines)\n- https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts (the halt flag)\n- https://www.sec.gov/Archives/edgar/data/1365135/000119312526061340/wu-20251231.htm (the auditor)\n- https://mcp.us-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx (coverage)\n- https://mcp.us-cm-kg.ai/record/NYSE/WU (the record)\n",
 "market": "US",
 "node": "us-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ],
   "live_record_began": "2026-09-12",
   "node_history_from": "2021-01-04",
   "node_years_sealed": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ],
   "record_version": 1,
   "sealed": true
  },
  "auditor": {
   "auditor": {
    "read_by": "EDGAR 10-K cover page iXBRL tag (dei:AuditorName, dei:AuditorLocation, dei:AuditorFirmId, dei:DocumentPeriodEndDate)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/Archives/edgar/data/1365135/000119312526061340/wu-20251231.htm",
    "state": "sourced",
    "value": "Ernst & Young LLP"
   },
   "auditor_firm_id": {
    "read_by": "EDGAR 10-K cover page iXBRL tag (dei:AuditorName, dei:AuditorLocation, dei:AuditorFirmId, dei:DocumentPeriodEndDate)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/Archives/edgar/data/1365135/000119312526061340/wu-20251231.htm",
    "state": "sourced",
    "value": "42"
   },
   "auditor_location": {
    "read_by": "EDGAR 10-K cover page iXBRL tag (dei:AuditorName, dei:AuditorLocation, dei:AuditorFirmId, dei:DocumentPeriodEndDate)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/Archives/edgar/data/1365135/000119312526061340/wu-20251231.htm",
    "state": "sourced",
    "value": "Denver, Colorado"
   },
   "changes": []
  },
  "cmr": "us-cm-kg/NYSE/WU",
  "coverage": {
   "count": 20,
   "houses": [
    {
     "analyst": "Josh Levin",
     "house": "Autonomous Research US",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Nik Cremo",
     "house": "Barclays",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Ramsey El-Assal",
     "house": "Cantor Fitzgerald",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Bryan Keane",
     "house": "Citi",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Nate Svensson",
     "house": "Deutsche Bank Securities",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Craig Maurer",
     "house": "FT Partners",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Will Nance",
     "house": "Goldman Sachs",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "David Scharf",
     "house": "JMP Securities",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Tien-Tsin Huang",
     "house": "JP Morgan",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Vasundhara Govil",
     "house": "Keefe, Bruyette & Woods",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Gus Gala",
     "house": "Monness, Crespi, Hardt & Co., Inc.",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "James Faucette",
     "house": "Morgan Stanley",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Brett Horn",
     "house": "Morningstar",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Kartik Mehta",
     "house": "Northcoast Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Rayna Kumar",
     "house": "Oppenheimer",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Dan Perlin",
     "house": "RBC Capital Markets",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "James Friedman",
     "house": "Susquehanna Financial Group",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Timothy Chiodo",
     "house": "UBS",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Cristopher Kennedy",
     "house": "William Blair",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "analyst": "Darrin Peller",
     "house": "Wolfe Research",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "state": "sourced"
    }
   ],
   "pages_checked": [
    {
     "page": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx",
     "result": "read: 20 of 40 named houses found on the page"
    }
   ],
   "read_by": "Perplexity sonar (search) · page read by this rail",
   "read_date": "2026-11-11",
   "since": "not stated on the page read",
   "state": "found"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 3256,
     "median_cadence_gap_days": 6,
     "median_filings": 64,
     "median_latency_days": 4,
     "name": "NYSE"
    },
    "sector": {
     "issuers": 117,
     "median_cadence_gap_days": 5,
     "median_filings": 70,
     "median_latency_days": 4,
     "name": "7389 Services-Business Services, NEC"
    }
   },
   "by_type": {
    "agm_egm": 4,
    "corporate_news": 7,
    "director_change": 2,
    "directors_dealings": 48,
    "prospectus": 4,
    "regulatory_filing": 14,
    "results": 8
   },
   "cadence_median_gap_days": 4,
   "filing_days": 37,
   "filings": 87,
   "latency_days": 4,
   "latest": [
    {
     "category": "10-Q",
     "date": "2026-11-04",
     "source": "https://www.sec.gov/Archives/edgar/data/1365135/000119312526447662/wu-20260930.htm",
     "title": "10-Q — 10-Q",
     "type": "results"
    },
    {
     "category": "8-K",
     "date": "2026-11-04",
     "source": "https://www.sec.gov/Archives/edgar/data/1365135/000119312526447234/wu-20261104.htm",
     "title": "8-K — 8-K (items 2.02,9.01)",
     "type": "results"
    },
    {
     "category": "8-K",
     "date": "2026-11-03",
     "source": "https://www.sec.gov/Archives/edgar/data/1365135/000119312526444420/d179122d8k.htm",
     "title": "8-K — 8-K (items 8.01)",
     "type": "corporate_news"
    },
    {
     "category": "4",
     "date": "2026-10-06",
     "source": "https://www.sec.gov/Archives/edgar/data/1365135/000122520826008298/xslF345X06/doc4.xml",
     "title": "4",
     "type": "directors_dealings"
    },
    {
     "category": "8-K",
     "date": "2026-10-02",
     "source": "https://www.sec.gov/Archives/edgar/data/1365135/000119312526412336/d160759d8k.htm",
     "title": "8-K — 8-K (items 8.01)",
     "type": "corporate_news"
    }
   ],
   "latest_filing_date": "2026-11-04",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.us-cm-kg.ai/events/NYSE/WU",
   "window": {
    "from": "2025-11-08",
    "to": "2026-11-08"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "EDGAR company_tickers_exchange.json (SEC list of exchange-listed filers)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/files/company_tickers_exchange.json",
    "state": "sourced",
    "value": "NYSE"
   },
   "isin": {
    "read_by": "SEC Fails-to-Deliver data (CUSIP for the symbol) · ISIN = US + CUSIP + ISO 6166 check digit",
    "read_date": "2026-10-14",
    "read_date_basis": "last_seen",
    "source": "https://www.sec.gov/data-research/sec-markets-data/fails-deliver-data",
    "state": "sourced",
    "value": "US9598021098"
   },
   "jurisdiction": {
    "read_by": "EDGAR submissions API (issuer header as filed) (stateOfIncorporation)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001365135.json",
    "state": "sourced",
    "value": "United States — Delaware"
   },
   "lei": {
    "read_by": "GLEIF ISIN-to-LEI mapping file (daily), LEI by exact ISIN",
    "read_date": "2026-11-08",
    "read_date_basis": "the field",
    "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download (ISIN US9598021098)",
    "state": "sourced",
    "value": "28ID94QU1140NC23S047"
   },
   "name": {
    "read_by": "EDGAR submissions API (issuer header as filed)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001365135.json",
    "state": "sourced",
    "value": "Western Union CO"
   },
   "sector": {
    "read_by": "EDGAR submissions API (issuer header as filed) (SIC code as assigned by the SEC)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001365135.json",
    "state": "sourced",
    "value": "7389 Services-Business Services, NEC"
   },
   "security_type": {
    "read_by": "EDGAR submissions API (issuer header as filed)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001365135.json",
    "state": "sourced",
    "value": "Corporate"
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    "market": "US",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "EDGAR company_tickers_exchange.json (SEC list of exchange-listed filers)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/files/company_tickers_exchange.json",
    "state": "sourced",
    "value": "WU"
   },
   "website": {
    "market": "US",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
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    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": [],
   "domicile_change": {
    "market": "US",
    "reason": "EDGAR states no dated change of state of incorporation on a filing line",
    "state": "not_on_record"
   },
   "listing": [],
   "name_change": [],
   "segment_move": {
    "market": "US",
    "reason": "the exchanges' tier transfers are not EDGAR filings",
    "state": "not_on_record"
   }
  },
  "market": "US",
  "node": "us-cm-kg",
  "numbers_hash": "sha256:c4c497bb39fb13377a4cb602d9789199c0fbd037d31cfdbe3db68227cbe24f75",
  "open_research": {
   "read_date": "2026-11-11",
   "rows": [],
   "state": "none_found"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [],
   "determinable": false,
   "read": {
    "chapter": "https://mcp.us-cm-kg.ai/book/aio.json",
    "door": "https://mcp.us-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "reason": "the chapter's orderability section carries no client_categories: the outcome cannot name its client category",
   "rule_version": "acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1",
   "section": "us.aio.v8"
  },
  "record": {
   "as_of": "2026-11-08",
   "url": "https://mcp.us-cm-kg.ai/record/NYSE/WU",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-08",
   "source": "https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:c4c497bb39fb13377a4cb602d9789199c0fbd037d31cfdbe3db68227cbe24f75",
 "path": "/us/NYSE/WU",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "The issuer is Western Union CO, listed on NYSE under ticker WU, with ISIN US9598021098 and LEI 28ID94QU1140NC23S047. Its security type is Corporate and its sector is 7389 Services-Business Services, NEC. Its jurisdiction is United States, Delaware, and its segment is not on the record. Its listing status is listed, not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 87 filings in the window 2025-11-08 to 2026-11-08, across 37 filing days. The median gap between filing days is 4.0 days. The latest filing is a results filing dated 2026-11-04, 4 days before the record date of 2026-11-08, and the median latency for the exchange is 4.0 days against 4 days for the sector. The exchange median cadence gap is 6.0 days and the sector median cadence gap is 5 days. The exchange median filings are 64.0 and the sector median filings are 70.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor of record is Ernst & Young LLP, located in Denver, Colorado. The record holds no auditor changes.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "The record holds no listing, delisting or name change lines. The domicile change is not on the record, as EDGAR states no dated change of state of incorporation on a filing line. The segment move is not on the record, as the exchanges' tier transfers are not EDGAR filings. The halt flag shows listed, not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "The outcome is not determinable, because the chapter's orderability section carries no client categories and so the outcome cannot name its client category. The rule version is acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, and the chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "The issuer's investor-relations page names 20 research houses: Autonomous Research US, Barclays, Cantor Fitzgerald, Citi, Deutsche Bank Securities, FT Partners, Goldman Sachs, JMP Securities, JP Morgan, Keefe, Bruyette & Woods, Monness, Crespi, Hardt & Co., Inc., Morgan Stanley, Morningstar, Northcoast Research, Oppenheimer, RBC Capital Markets, Susquehanna Financial Group, UBS, William Blair and Wolfe Research.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "No openly published research notes were found.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The sealed years that hold the issuer are 2021, 2022, 2023, 2024, 2025 and 2026. The market's earliest sealed date is 2021-01-04, and the live record began on 2026-09-12.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "10 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://www.sec.gov/files/company_tickers_exchange.json"
  },
  {
   "for": "identity.isin",
   "source": "https://www.sec.gov/data-research/sec-markets-data/fails-deliver-data"
  },
  {
   "for": "identity.jurisdiction",
   "source": "https://data.sec.gov/submissions/CIK0001365135.json"
  },
  {
   "for": "identity.lei",
   "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.us-cm-kg.ai/events/NYSE/WU"
  },
  {
   "for": "the halt flag",
   "source": "https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts"
  },
  {
   "for": "the auditor",
   "source": "https://www.sec.gov/Archives/edgar/data/1365135/000119312526061340/wu-20251231.htm"
  },
  {
   "for": "the orderability chapter",
   "source": "https://mcp.us-cm-kg.ai/book/aio.json"
  },
  {
   "for": "coverage",
   "source": "https://ir.westernunion.com/investor-relations/stock-information/analyst-coverage/default.aspx"
  },
  {
   "for": "the record",
   "source": "https://mcp.us-cm-kg.ai/record/NYSE/WU"
  }
 ],
 "title": "Western Union CO (WU) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}