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          "method_notes": "Valuation based on earnings multiple and growth assumptions. HOLD due to fair value and mixed evidence. Not investment advice.",
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            "Scale and efficiency ensure margin stability.",
            "Negative earnings growth presents near-term challenges.",
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              "target_price": 75
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              "prob": 0.3,
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          "method_notes": "Valuation based on blended P/E and EV/EBITDA multiples. Recommendation reflects a 15% upside to the 12-month target, supported by structural demand despite rate headwinds. Not investment advice.",
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