{
  "version": "1.0",
  "title": "David Abernathy Economic Intelligence Resource Directory",
  "preparedOn": "2026-10-14",
  "purpose": "Public research starting points for a comprehensive, current South Florida real estate economic report.",
  "coverage": "Palm Beach, Broward and Miami-Dade counties are the default core; Martin County and other markets must be explicitly labeled when included.",
  "accessNote": "Directory links identify sources, not live data feeds or a guarantee of access. Verify the current publication, reference period, definitions and availability during each report run. Private MLS, membership tools and paid archives require authorized access; a useful public report can still be produced with clear gaps.",
  "categories": [
    {
      "id": "david-abernathy-tools",
      "title": "Start with David’s research tools",
      "description": "Connect the national backdrop to local market evidence, wealth migration and income by place. Check each tool’s own dates before using its data.",
      "resources": [
        {
          "id": "david-fred",
          "name": "Federal Reserve Data",
          "url": "https://davidabernathy.com/federal-reserve-data",
          "coverage": "Selected national, Florida and county series with source metadata and historical charts.",
          "cadence": "Varies by series",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "david-migration",
          "name": "IRS Wealth Migration",
          "url": "https://davidabernathy.com/migration",
          "coverage": "State and county tax-return migration, exemptions and associated adjusted gross income; AGI is income, not net worth.",
          "cadence": "Annual source data; website snapshots may lag",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "david-zip-income",
          "name": "Income by ZIP Code",
          "url": "https://davidabernathy.com/zip-agi",
          "coverage": "IRS tax-return counts, AGI and income brackets by ZIP code; inspect tax year and units.",
          "cadence": "Annual source data; website snapshots may lag",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "david-market-intelligence",
          "name": "Local Market Intelligence",
          "url": "https://davidabernathy.com/#market-lab",
          "coverage": "Published community and property-market research; community-level detail depends on disclosed source coverage.",
          "cadence": "By published report",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    },
    {
      "id": "rates-and-fed",
      "title": "Mortgage rates, credit and the Federal Reserve",
      "description": "Use mortgage rates, Treasury yields, the Fed and credit conditions together. A Fed decision does not translate one-for-one into a mortgage-rate change.",
      "resources": [
        {
          "id": "fred-rates",
          "name": "FRED: rates and yield curve",
          "url": "https://fred.stlouisfed.org/",
          "coverage": "U.S. mortgage rates, Treasury yields, Fed target range, overnight rates and inflation compensation.",
          "cadence": "Daily, weekly or monthly by series",
          "access": "Public research; some interactive views may require browser access.",
          "series": [
            {
              "id": "MORTGAGE30US",
              "name": "30-year fixed mortgage rate",
              "url": "https://fred.stlouisfed.org/series/MORTGAGE30US"
            },
            {
              "id": "MORTGAGE15US",
              "name": "15-year fixed mortgage rate",
              "url": "https://fred.stlouisfed.org/series/MORTGAGE15US"
            },
            {
              "id": "DGS10",
              "name": "10-year Treasury yield",
              "url": "https://fred.stlouisfed.org/series/DGS10"
            },
            {
              "id": "DFEDTARU",
              "name": "Fed target range upper limit",
              "url": "https://fred.stlouisfed.org/series/DFEDTARU"
            },
            {
              "id": "DFEDTARL",
              "name": "Fed target range lower limit",
              "url": "https://fred.stlouisfed.org/series/DFEDTARL"
            },
            {
              "id": "DFF",
              "name": "Effective federal funds rate, daily",
              "url": "https://fred.stlouisfed.org/series/DFF"
            },
            {
              "id": "FEDFUNDS",
              "name": "Effective federal funds rate, monthly",
              "url": "https://fred.stlouisfed.org/series/FEDFUNDS"
            },
            {
              "id": "DGS2",
              "name": "2-year Treasury yield",
              "url": "https://fred.stlouisfed.org/series/DGS2"
            },
            {
              "id": "T10Y2Y",
              "name": "10-year minus 2-year Treasury spread",
              "url": "https://fred.stlouisfed.org/series/T10Y2Y"
            },
            {
              "id": "DGS30",
              "name": "30-year Treasury yield",
              "url": "https://fred.stlouisfed.org/series/DGS30"
            },
            {
              "id": "T10YIE",
              "name": "10-year breakeven inflation rate",
              "url": "https://fred.stlouisfed.org/series/T10YIE"
            }
          ]
        },
        {
          "id": "freddie-pmms",
          "name": "Freddie Mac Primary Mortgage Market Survey",
          "url": "https://www.freddiemac.com/pmms",
          "coverage": "National weekly mortgage-rate benchmark and survey methodology; not an individual loan quote.",
          "cadence": "Weekly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fed-fomc",
          "name": "Federal Reserve: FOMC statements, projections and minutes",
          "url": "https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm",
          "coverage": "Policy decision, implementation note, Summary of Economic Projections, press conference and minutes.",
          "cadence": "By meeting",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fed-roster",
          "name": "Federal Reserve: Board and FOMC membership",
          "url": "https://www.federalreserve.gov/monetarypolicy/fomc.htm",
          "coverage": "Current policymakers, voting rotation and links to official biographies; verify roles at report time.",
          "cadence": "When membership changes",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fred-fed-assets",
          "name": "FRED: Fed balance sheet and mortgage bonds",
          "url": "https://fred.stlouisfed.org/series/WALCL",
          "coverage": "Fed assets and mortgage-backed security holdings; explain what these measures can and cannot establish about mortgage pricing.",
          "cadence": "Weekly",
          "access": "Public research; some interactive views may require browser access.",
          "series": [
            {
              "id": "WALCL",
              "name": "Federal Reserve total assets",
              "url": "https://fred.stlouisfed.org/series/WALCL"
            },
            {
              "id": "WSHOMCB",
              "name": "Federal Reserve mortgage-backed securities holdings",
              "url": "https://fred.stlouisfed.org/series/WSHOMCB"
            }
          ]
        },
        {
          "id": "fed-sloos",
          "name": "Senior Loan Officer Opinion Survey",
          "url": "https://www.federalreserve.gov/data/sloos.htm",
          "coverage": "Bank lending standards, terms and demand for household and business credit.",
          "cadence": "Generally quarterly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "mortgage-news-daily",
          "name": "Mortgage News Daily",
          "url": "https://www.mortgagenewsdaily.com/mortgage-rates",
          "coverage": "Daily lender-rate tracking and mortgage-bond commentary; methodology differs from PMMS.",
          "cadence": "Daily",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "mba-applications",
          "name": "MBA Weekly Applications Survey",
          "url": "https://www.mba.org/news-and-research/research-and-economics/single-family-research/weekly-applications-survey",
          "coverage": "Purchase and refinance application indexes; survey coverage and seasonal adjustment matter.",
          "cadence": "Weekly",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "cme-fedwatch",
          "name": "CME FedWatch",
          "url": "https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html",
          "coverage": "Futures-implied policy probabilities at a specific retrieval time; probabilities are not promises.",
          "cadence": "Market days; intraday",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "atlanta-hoam",
          "name": "Atlanta Fed Home Ownership Affordability Monitor",
          "url": "https://www.atlantafed.org/research-and-data/data/home-ownership-affordability-monitor",
          "coverage": "Metro affordability under the tool’s household-income and ownership-cost assumptions.",
          "cadence": "By data release",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    },
    {
      "id": "inflation-jobs-growth",
      "title": "Inflation, jobs and purchasing power",
      "description": "Track the conditions that shape borrowing costs and household demand, keeping national, state and metro measures distinct.",
      "resources": [
        {
          "id": "fred-inflation",
          "name": "FRED: inflation measures",
          "url": "https://fred.stlouisfed.org/series/CPIAUCSL",
          "coverage": "Headline CPI, core CPI, shelter CPI and core PCE; retain units and seasonal adjustment.",
          "cadence": "Monthly",
          "access": "Public research; some interactive views may require browser access.",
          "series": [
            {
              "id": "CPIAUCSL",
              "name": "Consumer Price Index, all items",
              "url": "https://fred.stlouisfed.org/series/CPIAUCSL"
            },
            {
              "id": "CPILFESL",
              "name": "Consumer Price Index excluding food and energy",
              "url": "https://fred.stlouisfed.org/series/CPILFESL"
            },
            {
              "id": "CUSR0000SAH1",
              "name": "Consumer Price Index, shelter",
              "url": "https://fred.stlouisfed.org/series/CUSR0000SAH1"
            },
            {
              "id": "PCEPILFE",
              "name": "Personal Consumption Expenditures price index excluding food and energy",
              "url": "https://fred.stlouisfed.org/series/PCEPILFE"
            }
          ]
        },
        {
          "id": "fred-labor",
          "name": "FRED: national and Florida labor",
          "url": "https://fred.stlouisfed.org/series/UNRATE",
          "coverage": "Employment, unemployment, claims and job openings; metro definitions may differ from a county or community.",
          "cadence": "Monthly; claims weekly",
          "access": "Public research; some interactive views may require browser access.",
          "series": [
            {
              "id": "UNRATE",
              "name": "U.S. unemployment rate",
              "url": "https://fred.stlouisfed.org/series/UNRATE"
            },
            {
              "id": "PAYEMS",
              "name": "U.S. total nonfarm payrolls",
              "url": "https://fred.stlouisfed.org/series/PAYEMS"
            },
            {
              "id": "ICSA",
              "name": "Initial unemployment insurance claims",
              "url": "https://fred.stlouisfed.org/series/ICSA"
            },
            {
              "id": "JTSJOL",
              "name": "U.S. job openings",
              "url": "https://fred.stlouisfed.org/series/JTSJOL"
            },
            {
              "id": "FLUR",
              "name": "Florida unemployment rate",
              "url": "https://fred.stlouisfed.org/series/FLUR"
            },
            {
              "id": "FLNA",
              "name": "Florida total nonfarm employment",
              "url": "https://fred.stlouisfed.org/series/FLNA"
            },
            {
              "id": "MIAM112URN",
              "name": "Miami–Fort Lauderdale–West Palm Beach metro unemployment rate",
              "url": "https://fred.stlouisfed.org/series/MIAM112URN"
            }
          ]
        },
        {
          "id": "fred-growth-income",
          "name": "FRED: growth, income and sentiment",
          "url": "https://fred.stlouisfed.org/series/GDPC1",
          "coverage": "Real GDP, Florida personal income and national consumer sentiment; distinguish nowcasts and forecasts from reported data.",
          "cadence": "Monthly or quarterly",
          "access": "Public research; some interactive views may require browser access.",
          "series": [
            {
              "id": "GDPC1",
              "name": "U.S. real gross domestic product",
              "url": "https://fred.stlouisfed.org/series/GDPC1"
            },
            {
              "id": "FLOTOT",
              "name": "Florida total personal income",
              "url": "https://fred.stlouisfed.org/series/FLOTOT"
            },
            {
              "id": "UMCSENT",
              "name": "University of Michigan consumer sentiment",
              "url": "https://fred.stlouisfed.org/series/UMCSENT"
            }
          ]
        },
        {
          "id": "bls-data",
          "name": "Bureau of Labor Statistics",
          "url": "https://www.bls.gov/",
          "coverage": "Employment Situation, CPI, JOLTS, PPI, employment costs and regional labor data; release tables and methodological notes.",
          "cadence": "Monthly or quarterly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "bea-state",
          "name": "Bureau of Economic Analysis: state and local economy",
          "url": "https://www.bea.gov/data/gdp/gdp-state",
          "coverage": "State GDP, personal income and associated state/county tables; distinguish nominal from real and annualized from year-over-year growth.",
          "cadence": "Quarterly or annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-workforce",
          "name": "FloridaCommerce Workforce Statistics",
          "url": "https://floridajobs.org/workforce-statistics",
          "coverage": "State and local employment, unemployment, wages and industry trends.",
          "cadence": "Monthly; selected tables quarterly or annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "michigan-sentiment",
          "name": "University of Michigan Surveys of Consumers",
          "url": "https://data.sca.isr.umich.edu/",
          "coverage": "Consumer sentiment and inflation expectations; label preliminary versus final releases.",
          "cadence": "Monthly",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "uf-bebr",
          "name": "UF Bureau of Economic and Business Research",
          "url": "https://bebr.ufl.edu/",
          "coverage": "Florida consumer sentiment, population estimates and economic research.",
          "cadence": "Monthly, annual or by study",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "atlanta-gdpnow",
          "name": "Atlanta Fed GDPNow",
          "url": "https://www.atlantafed.org/cqer/research/gdpnow",
          "coverage": "Model estimate of current-quarter U.S. GDP; a nowcast, not an official GDP release or Fed forecast.",
          "cadence": "As inputs are released",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "atlanta-wages",
          "name": "Atlanta Fed Wage Growth Tracker",
          "url": "https://www.atlantafed.org/research-and-data/data/wage-growth-tracker",
          "coverage": "Wage growth by worker characteristics under the tracker’s methodology.",
          "cadence": "Monthly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fed-beige-book",
          "name": "Federal Reserve Beige Book",
          "url": "https://www.federalreserve.gov/monetarypolicy/beige-book-default.htm",
          "coverage": "Qualitative district conditions, including the Sixth District; anecdotes are not measured county-level totals.",
          "cadence": "By FOMC cycle",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    },
    {
      "id": "housing-market",
      "title": "Housing inventory, prices and financing stress",
      "description": "Compare local inventory and transaction evidence with independently published data. Asking prices, closed-sale medians and repeat-sales indexes answer different questions.",
      "resources": [
        {
          "id": "authorized-mls",
          "name": "Authorized BeachesMLS / Flexmls exports",
          "url": "https://davidabernathy.com/#market-lab",
          "coverage": "Local active, pending and closed listings, prices, time on market and community segments when an authorized current export is supplied.",
          "cadence": "Export-specific",
          "access": "Private MLS source; public website reports do not grant access to raw MLS records."
        },
        {
          "id": "miami-realtors",
          "name": "MIAMI Realtors Statistics",
          "url": "https://www.miamirealtors.com/statistics/",
          "coverage": "County monthly reports, luxury, international buyers, driver-license exchanges, feeder counties and regional outlooks; verify each report’s geographic coverage.",
          "cadence": "Monthly, quarterly or annual by report",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-realtors",
          "name": "Florida Realtors Research & Statistics",
          "url": "https://www.floridarealtors.org/research-statistics",
          "coverage": "State and metro single-family and condo reports; SunStats detail may require membership.",
          "cadence": "Monthly",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "miller-samuel",
          "name": "Douglas Elliman / Miller Samuel market reports",
          "url": "https://www.millersamuel.com/reports/",
          "coverage": "Quarterly city and luxury-market reports; retain the publisher’s market boundary and luxury definition.",
          "cadence": "Quarterly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "redfin-data",
          "name": "Redfin Data Center",
          "url": "https://www.redfin.com/news/data-center/",
          "coverage": "Metro and other housing measures including pending sales, new listings, price reductions and market speed.",
          "cadence": "Weekly or monthly by dataset",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "zillow-data",
          "name": "Zillow Research Data",
          "url": "https://www.zillow.com/research/data/",
          "coverage": "ZHVI home-value estimates and ZORI rent indexes by available geography; model estimates are not transaction medians.",
          "cadence": "Monthly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "realtor-data",
          "name": "Realtor.com Research",
          "url": "https://www.realtor.com/research/data/",
          "coverage": "Active listings, median asking prices, days on market and other listing measures; observe coverage and methodology.",
          "cadence": "Weekly or monthly by dataset",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "cotality-hpi",
          "name": "Cotality housing research",
          "url": "https://www.cotality.com/insights",
          "coverage": "House-price indexes, credit and housing commentary; distinguish public releases from licensed data.",
          "cadence": "Monthly or by publication",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "ice-mortgage-monitor",
          "name": "ICE Mortgage Monitor",
          "url": "https://www.ice.com/mortgage-technology/mortgage-monitor",
          "coverage": "Mortgage delinquencies, equity, servicing performance and affordability under the publisher’s definitions.",
          "cadence": "Monthly",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "attom-foreclosure",
          "name": "ATTOM reports",
          "url": "https://www.attomdata.com/news/",
          "coverage": "Foreclosures and property-market research; filing counts are not necessarily completed foreclosures or unique properties.",
          "cadence": "Monthly or quarterly by report",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "fau-housing",
          "name": "FAU real estate research",
          "url": "https://business.fau.edu/executive-education/real-estate/",
          "coverage": "Buy-versus-rent, housing valuation and rental indexes; model-specific estimates and assumptions.",
          "cadence": "By index release",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fiu-housing",
          "name": "FIU Hollo School of Real Estate",
          "url": "https://business.fiu.edu/academics/departments/real-estate/",
          "coverage": "Real estate research and related index commentary; use the original study and definitions.",
          "cadence": "By publication",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fhfa-hpi",
          "name": "FHFA House Price Index",
          "url": "https://www.fhfa.gov/data/hpi",
          "coverage": "Repeat-sales indexes with differing loan, coverage and geographic definitions.",
          "cadence": "Monthly or quarterly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "case-shiller",
          "name": "S&P Case-Shiller indexes",
          "url": "https://www.spglobal.com/spdji/en/index-family/indicators/sp-corelogic-case-shiller/",
          "coverage": "Repeat-sales home-price indexes; verify the actual Miami index geography and release lag.",
          "cadence": "Monthly",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "fred-housing",
          "name": "FRED: housing and credit series",
          "url": "https://fred.stlouisfed.org/series/MIXRSA",
          "coverage": "Housing supply, price indexes, listings, vacancies and bank mortgage stress; series footprints are not interchangeable.",
          "cadence": "Weekly, monthly or quarterly",
          "access": "Public research; some interactive views may require browser access.",
          "series": [
            {
              "id": "MIXRSA",
              "name": "Case-Shiller Miami home-price index",
              "url": "https://fred.stlouisfed.org/series/MIXRSA"
            },
            {
              "id": "CSUSHPINSA",
              "name": "Case-Shiller U.S. national home-price index",
              "url": "https://fred.stlouisfed.org/series/CSUSHPINSA"
            },
            {
              "id": "FLSTHPI",
              "name": "Florida FHFA all-transactions house-price index",
              "url": "https://fred.stlouisfed.org/series/FLSTHPI"
            },
            {
              "id": "HOUST",
              "name": "U.S. housing starts",
              "url": "https://fred.stlouisfed.org/series/HOUST"
            },
            {
              "id": "PERMIT",
              "name": "U.S. housing permits",
              "url": "https://fred.stlouisfed.org/series/PERMIT"
            },
            {
              "id": "FLBPPRIV",
              "name": "Florida housing permits",
              "url": "https://fred.stlouisfed.org/series/FLBPPRIV"
            },
            {
              "id": "HSN1F",
              "name": "U.S. new single-family home sales",
              "url": "https://fred.stlouisfed.org/series/HSN1F"
            },
            {
              "id": "EXHOSLUSM495S",
              "name": "U.S. existing-home sales",
              "url": "https://fred.stlouisfed.org/series/EXHOSLUSM495S"
            },
            {
              "id": "MSACSR",
              "name": "Months of supply of new homes",
              "url": "https://fred.stlouisfed.org/series/MSACSR"
            },
            {
              "id": "ACTLISCOUFL",
              "name": "Florida active listings",
              "url": "https://fred.stlouisfed.org/series/ACTLISCOUFL"
            },
            {
              "id": "ACTLISCOU12099",
              "name": "Palm Beach County active listings",
              "url": "https://fred.stlouisfed.org/series/ACTLISCOU12099"
            },
            {
              "id": "ACTLISCOU12086",
              "name": "Miami-Dade County active listings",
              "url": "https://fred.stlouisfed.org/series/ACTLISCOU12086"
            },
            {
              "id": "ACTLISCOU12011",
              "name": "Broward County active listings",
              "url": "https://fred.stlouisfed.org/series/ACTLISCOU12011"
            },
            {
              "id": "MEDLISPRIFL",
              "name": "Florida median listing price",
              "url": "https://fred.stlouisfed.org/series/MEDLISPRIFL"
            },
            {
              "id": "MEDDAYONMARFL",
              "name": "Florida median days on market",
              "url": "https://fred.stlouisfed.org/series/MEDDAYONMARFL"
            },
            {
              "id": "RHORUSQ156N",
              "name": "U.S. homeownership rate",
              "url": "https://fred.stlouisfed.org/series/RHORUSQ156N"
            },
            {
              "id": "RRVRUSQ156N",
              "name": "U.S. rental vacancy rate",
              "url": "https://fred.stlouisfed.org/series/RRVRUSQ156N"
            },
            {
              "id": "DRSFRMACBS",
              "name": "Bank single-family residential mortgage delinquency rate",
              "url": "https://fred.stlouisfed.org/series/DRSFRMACBS"
            },
            {
              "id": "RELACBW027SBOG",
              "name": "Real estate loans at all commercial banks",
              "url": "https://fred.stlouisfed.org/series/RELACBW027SBOG"
            }
          ]
        },
        {
          "id": "census-construction",
          "name": "Census: residential construction and sales",
          "url": "https://www.census.gov/construction/nrc/index.html",
          "coverage": "Housing starts, permits and completions; pair with the Census new-home sales release.",
          "cadence": "Monthly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "census-new-sales",
          "name": "Census: new residential sales",
          "url": "https://www.census.gov/construction/nrs/index.html",
          "coverage": "New single-family home sales, prices and supply; sample uncertainty and revisions matter.",
          "cadence": "Monthly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "nar-existing-sales",
          "name": "NAR Existing-Home Sales",
          "url": "https://www.nar.realtor/research-and-statistics/housing-statistics/existing-home-sales",
          "coverage": "Existing-home sales, prices and inventory under NAR’s definitions.",
          "cadence": "Monthly",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "nahb-sentiment",
          "name": "NAHB Housing Market Index and Eye on Housing",
          "url": "https://www.nahb.org/news-and-economics/housing-economics/indices/housing-market-index",
          "coverage": "Builder sentiment; use Eye on Housing for construction cost and labor research.",
          "cadence": "Monthly; commentary as issued",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        }
      ]
    },
    {
      "id": "migration-wealth",
      "title": "Migration, income and international demand",
      "description": "Separate people, tax returns, associated income, driver-license exchanges and home purchases. Use multiple measures without treating one as a substitute for another.",
      "resources": [
        {
          "id": "irs-migration",
          "name": "IRS SOI Migration Data",
          "url": "https://www.irs.gov/statistics/soi-tax-stats-migration-data",
          "coverage": "State-to-state and county-to-county returns, exemptions and AGI; tax-year pairs, suppression and source lag must be disclosed.",
          "cadence": "Annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "irs-zip",
          "name": "IRS SOI ZIP Code Data",
          "url": "https://www.irs.gov/statistics/soi-tax-stats-individual-income-tax-statistics-zip-code-data-soi",
          "coverage": "Tax-return income and brackets by ZIP code; ZIPs do not perfectly match municipalities, communities or Census ZCTAs.",
          "cadence": "Annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "census-population",
          "name": "Census Population Estimates",
          "url": "https://www.census.gov/programs-surveys/popest.html",
          "coverage": "Population, domestic and international migration components by available geography; compare consistent vintages.",
          "cadence": "Annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "census-state-flows",
          "name": "Census state-to-state migration",
          "url": "https://www.census.gov/data/tables/time-series/demo/geographic-mobility/state-to-state-migration.html",
          "coverage": "Survey-based state migration flows; distinguish survey period and uncertainty from administrative tax-return flows.",
          "cadence": "Annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "nar-international",
          "name": "NAR International Residential Activity",
          "url": "https://www.nar.realtor/research-and-statistics/research-reports/profile-of-international-activity-in-us-residential-real-estate",
          "coverage": "National international-buyer survey, Florida share, cash share and buyer origins.",
          "cadence": "Annual",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "visit-florida",
          "name": "Visit Florida Research",
          "url": "https://www.visitflorida.org/resources/research/",
          "coverage": "Visitor estimates by origin, including Canada and overseas; tourism is not residential purchase demand.",
          "cadence": "Quarterly or annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "united-van-lines",
          "name": "United Van Lines Movers Study",
          "url": "https://www.unitedvanlines.com/newsroom/movers-study",
          "coverage": "Moves handled by this company and survey responses; not a population-wide migration measure.",
          "cadence": "Annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "uhaul-growth",
          "name": "U-Haul Growth Index",
          "url": "https://www.uhaul.com/Articles/About/",
          "coverage": "Company-specific one-way moving-transaction patterns; inspect the current Growth Index release.",
          "cadence": "Annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "smartasset-migration",
          "name": "SmartAsset data studies",
          "url": "https://smartasset.com/data-studies",
          "coverage": "High-earner migration analysis; verify edition, income threshold and underlying IRS tax-year pairs.",
          "cadence": "By study",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    },
    {
      "id": "florida-public-economy",
      "title": "Florida’s economy, tax rolls and development pipeline",
      "description": "Public records and state forecasts provide evidence about employment, taxable values, budgets and future demand. Corporate announcements should be separated from completed relocations and jobs.",
      "resources": [
        {
          "id": "florida-edr",
          "name": "Florida Economic & Demographic Research",
          "url": "https://edr.state.fl.us/",
          "coverage": "Population, general revenue, ad valorem and economic estimating conferences; actual collections and forecasts.",
          "cadence": "Monthly reports; conferences as scheduled",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "palm-beach-appraiser",
          "name": "Palm Beach County Property Appraiser",
          "url": "https://www.pbcpao.gov/",
          "coverage": "Parcel records, market/assessed/taxable values, exemptions, tax estimates and annual tax rolls.",
          "cadence": "Annual rolls; records as updated",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "miami-dade-appraiser",
          "name": "Miami-Dade Property Appraiser",
          "url": "https://www.miamidadepa.gov/pa/home.page",
          "coverage": "Parcel records, tax estimates and tax-roll certifications; distinguish proposed and final millage.",
          "cadence": "Annual rolls; records as updated",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "broward-appraiser",
          "name": "Broward County Property Appraiser",
          "url": "https://web.bcpa.net/",
          "coverage": "Parcel, exemption and tax-roll evidence for Broward County.",
          "cadence": "Annual rolls; records as updated",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "martin-appraiser",
          "name": "Martin County Property Appraiser",
          "url": "https://www.pa.martin.fl.us/",
          "coverage": "Parcel, exemption and tax-roll evidence for Martin County.",
          "cadence": "Annual rolls; records as updated",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-dor",
          "name": "Florida Department of Revenue: Property Tax",
          "url": "https://floridarevenue.com/property/",
          "coverage": "State property-tax administration, values, exemptions, millage guidance and bulletins; verify applicable tax year.",
          "cadence": "Annual and as issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ucf-forecast",
          "name": "UCF Institute for Economic Forecasting",
          "url": "https://business.ucf.edu/centers-institutes/institute-economic-forecasting/",
          "coverage": "Florida and U.S. economic forecasts; assumptions, release date and forecast horizon.",
          "cadence": "Quarterly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-chamber",
          "name": "Florida Chamber Foundation",
          "url": "https://www.flchamber.com/",
          "coverage": "Florida Scorecard and economic outlook; contextualize business-policy perspective.",
          "cadence": "Ongoing; annual outlook",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-taxwatch",
          "name": "Florida TaxWatch",
          "url": "https://floridataxwatch.org/",
          "coverage": "Budget, property-tax and policy analyses; identify estimates and advocacy assumptions.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "beacon-council",
          "name": "Miami-Dade Beacon Council",
          "url": "https://www.beaconcouncil.com/",
          "coverage": "Corporate expansion and relocation announcements; confirm timing and realized jobs separately.",
          "cadence": "As announced",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "palm-beach-bdb",
          "name": "Business Development Board of Palm Beach County",
          "url": "https://bdb.org/",
          "coverage": "Corporate relocation and high-wage business pipeline; announcements versus completed activity.",
          "cadence": "As announced",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    },
    {
      "id": "insurance-condos-climate",
      "title": "Insurance, condos and climate exposure",
      "description": "Carrying costs and building-specific financing eligibility can matter as much as purchase price. Statewide insurance averages do not replace a property quote or association documents.",
      "resources": [
        {
          "id": "citizens-insurance",
          "name": "Citizens Property Insurance",
          "url": "https://www.citizensfla.com/policies-in-force",
          "coverage": "Policies in force, depopulation and links to rate and market information; reductions in policy counts alone do not establish lower homeowner costs.",
          "cadence": "Weekly dashboard; filings as issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-oir",
          "name": "Florida Office of Insurance Regulation",
          "url": "https://floir.com/",
          "coverage": "Property-market reports, carrier information and rate filings; distinguish requested, approved and effective rates.",
          "cadence": "Ongoing; periodic reports",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "guy-carpenter",
          "name": "Guy Carpenter research",
          "url": "https://www.guycarp.com/",
          "coverage": "Reinsurance market and renewal research; separate reinsurance pricing from consumer premiums.",
          "cadence": "By renewal and publication",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "gallagher-re",
          "name": "Gallagher Re research",
          "url": "https://www.ajg.com/gallagherre/",
          "coverage": "Reinsurance reports and renewal commentary; identify market and client sample.",
          "cadence": "By renewal and publication",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "florida-dbpr",
          "name": "Florida DBPR: Condominiums",
          "url": "https://www2.myfloridalicense.com/condos-timeshares-mobile-homes/",
          "coverage": "Condo regulation, inspection and reserve-study guidance, filings and association resources; verify law and effective dates.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fannie-condo",
          "name": "Fannie Mae Condo Eligibility",
          "url": "https://singlefamily.fanniemae.com/originating-underwriting/condo-co-op-and-pud-eligibility",
          "coverage": "Project eligibility, review standards, selling-guide changes and lender resources.",
          "cadence": "As issued",
          "access": "Public guidance; project-specific databases or lender determinations may be restricted."
        },
        {
          "id": "freddie-condo",
          "name": "Freddie Mac Condo and Co-op Resources",
          "url": "https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/condominium-unit-mortgages",
          "coverage": "Condo/co-op project underwriting requirements and guide updates.",
          "cadence": "As issued",
          "access": "Public guidance; project-specific tools and lender review may require access."
        },
        {
          "id": "fema-nfip",
          "name": "FEMA National Flood Insurance Program",
          "url": "https://www.fema.gov/flood-insurance",
          "coverage": "Flood-insurance program, authorization, rating and coverage guidance; verify current authorization.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fema-flood-maps",
          "name": "FEMA Flood Map Service Center",
          "url": "https://msc.fema.gov/portal/home",
          "coverage": "Property-specific flood maps and map status; distinguish preliminary, pending and effective products.",
          "cadence": "As map revisions occur",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "pbc-flood",
          "name": "Palm Beach County Flood Information",
          "url": "https://discover.pbc.gov/pzb/building/Pages/Flood-Information.aspx",
          "coverage": "Local flood maps, floodplain information and local updates.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "noaa-hurricanes",
          "name": "NOAA National Hurricane Center",
          "url": "https://www.nhc.noaa.gov/",
          "coverage": "Official tropical cyclone advisories, storm history and outlooks; distinguish forecast risks from actual local effects.",
          "cadence": "Daily when active; archived reports",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "safe-florida-home",
          "name": "My Safe Florida Home",
          "url": "https://mysafeflhome.com/",
          "coverage": "Program eligibility, mitigation inspections, grants and current funding availability.",
          "cadence": "As funded and updated",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    },
    {
      "id": "federal-policy",
      "title": "Federal tax, housing and lending policy",
      "description": "Verify legislative status, official text, scope and effective dates before describing a policy as current. Proposals and press statements require different language from enacted law.",
      "resources": [
        {
          "id": "congress-legislation",
          "name": "Congress.gov",
          "url": "https://www.congress.gov/",
          "coverage": "Bill text, actions and public-law status for housing, tax, investor, flood-insurance and related measures.",
          "cadence": "As legislative action occurs",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "federal-register",
          "name": "Federal Register",
          "url": "https://www.federalregister.gov/",
          "coverage": "Proposed and final regulations, executive actions, implementation dates and official notices.",
          "cadence": "Daily when issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "irs-tax-guidance",
          "name": "IRS tax guidance",
          "url": "https://www.irs.gov/newsroom",
          "coverage": "Current tax-year guidance, inflation adjustments and relevant deductions, estate/gift, sale exclusions and investment-property rules.",
          "cadence": "As issued; annual adjustments",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fhfa-policy",
          "name": "Federal Housing Finance Agency",
          "url": "https://www.fhfa.gov/",
          "coverage": "Conforming loan limits, GSE policy, credit-score implementation and official agency actions.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fincen-real-estate",
          "name": "FinCEN real estate guidance",
          "url": "https://www.fincen.gov/real-estate",
          "coverage": "Real estate reporting requirements, status, exceptions, effective dates and implementation guidance.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "hud-housing",
          "name": "HUD housing policy",
          "url": "https://www.hud.gov/",
          "coverage": "FHA lending, housing-program and implementation guidance.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ustr-policy",
          "name": "Office of the U.S. Trade Representative",
          "url": "https://ustr.gov/",
          "coverage": "Trade actions and tariff policy relevant to construction inputs; verify affected goods and effective dates.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "cbo-budget",
          "name": "Congressional Budget Office",
          "url": "https://www.cbo.gov/topics/budget/monthly-budget-review",
          "coverage": "Federal budget, deficit, interest-cost and fiscal projections; label fiscal versus calendar years and projections.",
          "cadence": "Monthly and as issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "treasury-refunding",
          "name": "U.S. Treasury Quarterly Refunding",
          "url": "https://home.treasury.gov/policy-issues/financing-the-government/quarterly-refunding",
          "coverage": "Treasury financing plans, issuance and quarterly refunding documents.",
          "cadence": "Quarterly",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "nar-policy",
          "name": "NAR policy and industry research",
          "url": "https://www.nar.realtor/",
          "coverage": "Official membership, MLS and practice-policy documents; do not infer local MLS implementation without evidence.",
          "cadence": "As issued",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "doj-antitrust",
          "name": "U.S. Department of Justice Antitrust Division",
          "url": "https://www.justice.gov/atr",
          "coverage": "Official enforcement actions and court filings relevant to real estate competition and practice.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    },
    {
      "id": "florida-policy",
      "title": "Florida law, taxation and housing policy",
      "description": "Read current official law and agency implementation for homestead, assessment caps, condominium obligations, insurance, Live Local, disclosure and ownership rules.",
      "resources": [
        {
          "id": "florida-senate",
          "name": "Florida Senate",
          "url": "https://www.flsenate.gov/",
          "coverage": "Bills, analyses, legislative actions and links to statutes; distinguish bills that passed, failed or remain pending.",
          "cadence": "During sessions and as updated",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-house",
          "name": "Florida House of Representatives",
          "url": "https://www.flhouse.gov/",
          "coverage": "House bill texts, staff analyses and legislative records.",
          "cadence": "During sessions and as updated",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-statutes",
          "name": "Florida Legislature: Statutes",
          "url": "https://www.leg.state.fl.us/Statutes/",
          "coverage": "Current codified statutes; confirm chapter law and applicability when recent legislation has not yet been incorporated.",
          "cadence": "By codification; laws as enacted",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-elections",
          "name": "Florida Division of Elections",
          "url": "https://dos.fl.gov/elections/",
          "coverage": "Official ballot measures, amendment text, election dates and certified results.",
          "cadence": "By election and certification",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "florida-realtors-advocacy",
          "name": "Florida Realtors legislative reports",
          "url": "https://www.floridarealtors.org/advocacy",
          "coverage": "Industry legislative summaries and positions; corroborate legal requirements with official text.",
          "cadence": "During session; annual final report",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    },
    {
      "id": "new-york-feeder-market",
      "title": "New York’s budget, taxes and migration",
      "description": "Evaluate the feeder-market backdrop with official budget and tax records. A tax change or migration trend alone does not prove a resulting Florida home purchase.",
      "resources": [
        {
          "id": "ny-budget",
          "name": "New York State Division of the Budget",
          "url": "https://www.budget.ny.gov/",
          "coverage": "Executive, enacted and updated financial plans; actual versus proposed state tax changes.",
          "cadence": "Annual budget cycle; periodic updates",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ny-comptroller",
          "name": "New York State Comptroller",
          "url": "https://www.osc.ny.gov/reports/taxpayer-migration",
          "coverage": "Taxpayer migration dashboard, fiscal reports and underlying definitions.",
          "cadence": "By dashboard and report release",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ny-tax",
          "name": "New York State Taxation and Finance",
          "url": "https://www.tax.ny.gov/",
          "coverage": "Current income, estate, residency and other tax rules; use applicable year and official rates.",
          "cadence": "As issued; annual tax tables",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ny-senate",
          "name": "New York State Senate",
          "url": "https://www.nysenate.gov/",
          "coverage": "Bills, legislative action and finance-committee records.",
          "cadence": "During legislative action",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ny-assembly",
          "name": "New York State Assembly",
          "url": "https://assembly.state.ny.us/",
          "coverage": "Bills, legislative action and Ways and Means records.",
          "cadence": "During legislative action",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "nyc-omb",
          "name": "New York City Office of Management and Budget",
          "url": "https://www.nyc.gov/site/omb/index.page",
          "coverage": "Preliminary, executive, adopted and revised city budgets.",
          "cadence": "By city budget cycle",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "nyc-comptroller",
          "name": "New York City Comptroller",
          "url": "https://comptroller.nyc.gov/",
          "coverage": "Economic updates, budget analyses and fiscal reports.",
          "cadence": "Monthly and by budget cycle",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "nyc-finance",
          "name": "New York City Department of Finance",
          "url": "https://www.nyc.gov/site/finance/index.page",
          "coverage": "Property taxes, assessment, exemptions and official tax administration.",
          "cadence": "As issued; annual rates",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "nyc-ibo",
          "name": "New York City Independent Budget Office",
          "url": "https://www.ibo.nyc.gov/",
          "coverage": "Independent city budget and tax analyses, with explicit forecasting assumptions.",
          "cadence": "By report and budget cycle",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ny-cbc",
          "name": "Citizens Budget Commission",
          "url": "https://cbcny.org/",
          "coverage": "New York fiscal and competitiveness research; disclose policy perspective.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ny-empire",
          "name": "Empire Center for Public Policy",
          "url": "https://www.empirecenter.org/migration/",
          "coverage": "Migration and public-policy analysis; inspect underlying data and policy perspective.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ny-fiscal-policy",
          "name": "Fiscal Policy Institute",
          "url": "https://fiscalpolicy.org/",
          "coverage": "Fiscal and migration analysis with an alternative policy perspective; compare like definitions.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "ny-partnership",
          "name": "Partnership for New York City",
          "url": "https://pfnyc.org/",
          "coverage": "Business surveys and economic research; distinguish business sentiment from measured migration.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    },
    {
      "id": "global-and-wealth",
      "title": "Global demand, currencies and financial wealth",
      "description": "Review developments only when there is a defensible channel to local demand, financing or costs. Broad geopolitical narratives do not establish South Florida buying activity.",
      "resources": [
        {
          "id": "fred-wealth",
          "name": "FRED: markets, currencies and energy",
          "url": "https://fred.stlouisfed.org/series/DTWEXBGS",
          "coverage": "Portfolio, volatility, dollar, oil and crypto context; prices alone do not quantify local real estate demand.",
          "cadence": "Daily",
          "access": "Public research; some interactive views may require browser access.",
          "series": [
            {
              "id": "SP500",
              "name": "S&P 500 index",
              "url": "https://fred.stlouisfed.org/series/SP500"
            },
            {
              "id": "VIXCLS",
              "name": "CBOE volatility index",
              "url": "https://fred.stlouisfed.org/series/VIXCLS"
            },
            {
              "id": "DTWEXBGS",
              "name": "Trade-weighted U.S. dollar index",
              "url": "https://fred.stlouisfed.org/series/DTWEXBGS"
            },
            {
              "id": "DCOILWTICO",
              "name": "WTI crude oil spot price",
              "url": "https://fred.stlouisfed.org/series/DCOILWTICO"
            },
            {
              "id": "CBBTCUSD",
              "name": "Coinbase Bitcoin U.S. dollar price",
              "url": "https://fred.stlouisfed.org/series/CBBTCUSD"
            }
          ]
        },
        {
          "id": "eia-energy",
          "name": "U.S. Energy Information Administration",
          "url": "https://www.eia.gov/petroleum/weekly/",
          "coverage": "Official petroleum prices, supply and market data; distinguish local cost impacts from global price movements.",
          "cadence": "Weekly and by data series",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "bank-canada",
          "name": "Bank of Canada exchange rates",
          "url": "https://www.bankofcanada.ca/rates/exchange/",
          "coverage": "Canadian exchange-rate evidence for purchasing-power context; retain quote direction and date.",
          "cadence": "Business days",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "statistics-canada",
          "name": "Statistics Canada",
          "url": "https://www.statcan.gc.ca/",
          "coverage": "Canadian travel, economy and household data; retrieve the relevant table and reference period.",
          "cadence": "Monthly, quarterly or annual",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "bcra-argentina",
          "name": "Central Bank of Argentina",
          "url": "https://www.bcra.gob.ar/",
          "coverage": "Official Argentine monetary and exchange-rate data; identify which exchange-rate series is used.",
          "cadence": "Daily or by release",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "banxico-mexico",
          "name": "Bank of Mexico",
          "url": "https://www.banxico.org.mx/",
          "coverage": "Official Mexican monetary and exchange-rate data.",
          "cadence": "Daily or by release",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "brazil-elections",
          "name": "Brazil Superior Electoral Court",
          "url": "https://www.tse.jus.br/",
          "coverage": "Official Brazilian election information and results; relevant only with a clearly stated demand channel.",
          "cadence": "By election",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "uscis-tps",
          "name": "USCIS Temporary Protected Status",
          "url": "https://www.uscis.gov/humanitarian/temporary-protected-status",
          "coverage": "Official status and notices; distinguish immigration eligibility from measured housing demand.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "imf-data",
          "name": "International Monetary Fund",
          "url": "https://www.imf.org/",
          "coverage": "Country economic reports, forecasts and policy-program evidence.",
          "cadence": "By forecast and country review",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "henley-wealth",
          "name": "Henley & Partners publications",
          "url": "https://www.henleyglobal.com/publications",
          "coverage": "Private wealth-migration research with methodology and commercial context; not a substitute for observed U.S. county migration.",
          "cadence": "By report",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        }
      ]
    },
    {
      "id": "research-and-commentary",
      "title": "Economists and market interpretation",
      "description": "Read original dated publications alongside the data. Attribute opinions and forecasts to their authors, verify current roles if used, and compare competing interpretations.",
      "resources": [
        {
          "id": "fannie-research",
          "name": "Fannie Mae Economic & Strategic Research",
          "url": "https://www.fanniemae.com/research-and-insights",
          "coverage": "Economic and Housing Outlook, Home Purchase Sentiment Index and housing research; cite the current report, not an assumed chief economist.",
          "cadence": "Monthly and as issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "compass-altos",
          "name": "Compass / Altos Research",
          "url": "https://www.altosresearch.com/",
          "coverage": "Inventory and price research, including work associated with Mike Simonsen; public releases versus subscription data.",
          "cadence": "Weekly and as issued",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "housingwire-research",
          "name": "HousingWire",
          "url": "https://www.housingwire.com/",
          "coverage": "Housing and mortgage reporting and analysis, including Logan Mohtashami when available; use primary data for factual confirmation.",
          "cadence": "Daily",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "first-american",
          "name": "First American Economic Center",
          "url": "https://blog.firstam.com/economics",
          "coverage": "Affordability and housing commentary, including work by Mark Fleming when available; model assumptions matter.",
          "cadence": "Monthly and as issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "mba-forecast",
          "name": "Mortgage Bankers Association forecasts",
          "url": "https://www.mba.org/news-and-research/research-and-economics",
          "coverage": "Mortgage and economic forecasts, including work by Mike Fratantoni when available.",
          "cadence": "Monthly and as issued",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "nahb-economics",
          "name": "NAHB Eye on Housing",
          "url": "https://eyeonhousing.org/",
          "coverage": "Builder, labor and construction research, including work by Robert Dietz when available.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "zonda-research",
          "name": "Zonda",
          "url": "https://zondahome.com/",
          "coverage": "New-home market research and forecasts, including work by Ali Wolf when available.",
          "cadence": "By publication or event",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "john-burns",
          "name": "John Burns Research & Consulting",
          "url": "https://jbrec.com/",
          "coverage": "Housing research, including work by John Burns and Rick Palacios Jr. when available.",
          "cadence": "By publication",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "bright-mls",
          "name": "Bright MLS research",
          "url": "https://www.brightmls.com/",
          "coverage": "Mid-Atlantic feeder-market research, including work by Lisa Sturtevant when available; not South Florida transaction data.",
          "cadence": "Monthly and as issued",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "calculated-risk",
          "name": "Calculated Risk",
          "url": "https://www.calculatedriskblog.com/",
          "coverage": "Bill McBride’s housing and macro commentary; follow links to underlying data.",
          "cadence": "Daily",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "moodys-economics",
          "name": "Moody’s Inside Economics",
          "url": "https://www.moodys.com/web/en/us/insights/podcasts/inside-economics.html",
          "coverage": "Macro forecasts and economic analysis, including work by Mark Zandi when available.",
          "cadence": "As issued",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "wells-fargo-economics",
          "name": "Wells Fargo Economics",
          "url": "https://www.wellsfargo.com/cib/insights/economics/",
          "coverage": "Housing, macro and regional research, including work by Charlie Dougherty when available.",
          "cadence": "As issued",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "real-deal",
          "name": "The Real Deal South Florida",
          "url": "https://therealdeal.com/miami/",
          "coverage": "Deal flow, projects and corporate real estate reporting; corroborate transaction and permit claims.",
          "cadence": "Daily",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "south-florida-business",
          "name": "South Florida Business Journal",
          "url": "https://www.bizjournals.com/southflorida/",
          "coverage": "Business relocations, development and regional economic reporting.",
          "cadence": "Daily",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        },
        {
          "id": "palm-beach-daily",
          "name": "Palm Beach Daily News",
          "url": "https://www.palmbeachdailynews.com/",
          "coverage": "Palm Beach property, development and local reporting.",
          "cadence": "Daily",
          "access": "Public releases; detailed data, archives or services may require a subscription or permission."
        }
      ]
    },
    {
      "id": "official-calendars",
      "title": "Release calendars and dates to watch",
      "description": "Use the live official schedule for the next release. Typical cadence is a planning aid, not verification of a particular date or time.",
      "resources": [
        {
          "id": "bls-calendar",
          "name": "BLS release schedule",
          "url": "https://www.bls.gov/schedule/",
          "coverage": "Employment, CPI, PPI, JOLTS and other labor releases.",
          "cadence": "Rolling schedule",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "bea-calendar",
          "name": "BEA release schedule",
          "url": "https://www.bea.gov/news/schedule",
          "coverage": "GDP, PCE, personal income and state/local releases.",
          "cadence": "Rolling schedule",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "census-calendar",
          "name": "Census economic-indicator calendar",
          "url": "https://www.census.gov/economic-indicators/calendar-listview.html",
          "coverage": "Housing construction, new-home sales and other economic indicators.",
          "cadence": "Rolling schedule",
          "access": "Public research; some interactive views may require browser access."
        },
        {
          "id": "fred-calendar",
          "name": "FRED release calendar",
          "url": "https://fred.stlouisfed.org/releases/calendar",
          "coverage": "Cross-source economic release calendar; confirm material dates with the originating agency.",
          "cadence": "Rolling schedule",
          "access": "Public research; some interactive views may require browser access."
        }
      ]
    }
  ]
}
