{
 "updated": "2026-10-01T04:50:01.204705+00:00",
 "methodology": "50% actuarial (measured, 13801 incidents) + 30% regulatory velocity per jurisdiction (estimated) + 20% HQ concentration (estimated)",
 "measured_legs": [
  "actuarial"
 ],
 "estimated_legs": [
  "regulatory",
  "sovereignty"
 ],
 "providers": [
  {
   "provider": "openai",
   "premium_usd": 68817.0,
   "tier": "HIGH_RISK",
   "reg_pressure": 75.0,
   "sovereignty": 40.0,
   "composite": 79.66
  },
  {
   "provider": "anthropic",
   "premium_usd": 51956.0,
   "tier": "HIGH_RISK",
   "reg_pressure": 75.0,
   "sovereignty": 40.0,
   "composite": 67.61
  },
  {
   "provider": "google",
   "premium_usd": 27147.0,
   "tier": "HIGH_RISK",
   "reg_pressure": 75.0,
   "sovereignty": 40.0,
   "composite": 49.89
  },
  {
   "provider": "meta",
   "premium_usd": 23318.0,
   "tier": "HIGH_RISK",
   "reg_pressure": 75.0,
   "sovereignty": 40.0,
   "composite": 47.16
  },
  {
   "provider": "groq",
   "premium_usd": 0.0,
   "tier": "PREFERRED",
   "reg_pressure": 15.0,
   "sovereignty": 40.0,
   "composite": 12.5
  },
  {
   "provider": "mistral",
   "premium_usd": 600.0,
   "tier": "PREFERRED",
   "reg_pressure": 60.0,
   "sovereignty": 25.0,
   "composite": 23.43
  },
  {
   "provider": "cohere",
   "premium_usd": 0.0,
   "tier": "PREFERRED",
   "reg_pressure": 60.0,
   "sovereignty": 25.0,
   "composite": 23.0
  }
 ]
}