LUBWXETF / FundLord Abbett Ultra Short Bond Fund
Verdicts genuinely change. Free email alert the moment LUBWX's does — no target price to set, unlike "Alert" above.
Whether this fund clears the published standards, and the filings behind that answer. The screen runs first and nothing on the trading side can override it.
Structure, momentum, positioning and levels. Separate from the Sharia verdict above, which this side never overrides.
Lord Abbett Ultra Short Bond Fund · LORD ABBETT INVESTMENT TRUST
644 holdings
This fund holds short positions, so exposure is counted gross — long and short both count as exposure rather than netting off, and the weights below therefore sum to 101% of net assets rather than 100%. Shares of the portfolio are shown as shares of that gross exposure.
NON-COMPLIANT At least 33.47% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 64% turns out to be. Matching more holdings can only raise this share, never lower it.
3.19% of that is conventional interest-bearing debt, identified from the fund's own filing rather than by screening an issuer. Sukuk are deliberately excluded from this test and are never counted here.
644 holdings, 174 matched (37% of weight). Portfolio as of 2026-05-31, filed 2026-07-29. Source: SEC Form N-PORT.
13.61% of this portfolio’s income is non-permissible — weighted across holdings, computed over 23% of portfolio weight (112 of 644 holdings). The common approach purifies that proportion of income received — dividends — not of the position’s value. We report the ratio; what to do with it is a question for your own scholar.
Portfolio shares are withheld: coverage is below the floor needed to state one. The holdings themselves are below, because the names are evidence you can check.
All holdings (644) · showing 1–250
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| United States Treasury | NON_COMPLIANT | 2.13% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.98% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| SANTANDER UK GROUP HLDGS | UNSCREENED | 0.96% | no in-house ratios for this holding |
| VST VISTRA CORP | NON_COMPLIANT | 0.89% | AAOIFI39.4% Usmani46.0% Dow Jones Islamic36.7% S&P Shariah46.3% MSCI Islamic46.0% MSCI Islamic M-Series46.3% FTSE Shariah46.0% |
| C CITIGROUP INC | NON_COMPLIANT | 0.73% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| WFC WELLS FARGO & COMPANY | NON_COMPLIANT | 0.72% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| RWE.DE RWE AG | NON_COMPLIANT | 0.72% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| C CITIGROUP INC | NON_COMPLIANT | 0.67% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| GLE.PA SOCIETE GENERALE | NON_COMPLIANT | 0.62% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.60% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| LADDER CAP FIN LLLP/CORP | UNSCREENED | 0.60% | no in-house ratios for this holding |
| BIRG.IR BANK OF IRELAND GROUP | NON_COMPLIANT | 0.54% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| AES AES Corp/The | NON_COMPLIANT | 0.54% | AAOIFIpass Usmanipass Dow Jones Islamicpass S&P Shariahpass MSCI Islamicpass MSCI Islamic M-Seriespass FTSE Shariahpass |
| LOW LOWES COS INC | NON_COMPLIANT | 0.53% | AAOIFI35.6% Usmani71.7% Dow Jones Islamic30.1% S&P Shariah31.0% MSCI Islamic71.7% MSCI Islamic M-Series31.0% FTSE Shariah63.7% |
| First National Master Note Trust | UNSCREENED | 0.51% | no in-house ratios for this holding |
| Brunswick Corp/DE | UNSCREENED | 0.48% | no in-house ratios for this holding |
| ING ING GROEP NV | NON_COMPLIANT | 0.47% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| MACQUARIE AIRFINANCE HLD | UNSCREENED | 0.46% | no in-house ratios for this holding |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.46% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| ITT ITT INC | COMPLIANT | 0.45% | AAOIFI17.1% Usmani27.9% Dow Jones Islamic22.2% S&P Shariah24.6% MSCI Islamic27.9% MSCI Islamic M-Series24.6% FTSE Shariah26.9% |
| UBSG.SW UBS GROUP AG | NON_COMPLIANT | 0.45% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Hyundai Auto Lease Securitization Trust | UNSCREENED | 0.45% | no in-house ratios for this holding |
| MEDLINE BORROWER/MEDL CO | UNSCREENED | 0.42% | no in-house ratios for this holding |
| T.TO TELUS CORP | NON_COMPLIANT | 0.41% | AAOIFI160.4% Usmani52.8% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic52.8% MSCI Islamic M-Seriesfail FTSE Shariah52.8% |
| Buckhorn Park CLO, Ltd. | UNSCREENED | 0.41% | no in-house ratios for this holding |
| T.TO TELUS Corp | NON_COMPLIANT | 0.41% | AAOIFI160.4% Usmani52.8% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic52.8% MSCI Islamic M-Seriesfail FTSE Shariah52.8% |
| SANTANDER UK GROUP HLDGS | UNSCREENED | 0.40% | no in-house ratios for this holding |
| NGPL PIPECO LLC | UNSCREENED | 0.40% | no in-house ratios for this holding |
| Evergy Missouri West Inc | UNSCREENED | 0.40% | no in-house ratios for this holding |
| SPIRIT AEROSYSTEMS INC | UNSCREENED | 0.40% | no in-house ratios for this holding |
| AUGUSTA SPINCO CORPORATI | UNSCREENED | 0.40% | no in-house ratios for this holding |
| HCA Inc | UNSCREENED | 0.40% | no in-house ratios for this holding |
| Wells Fargo Commercial Mortgage Trust | UNSCREENED | 0.39% | no in-house ratios for this holding |
| VICI PROPERTIES / NOTE | UNSCREENED | 0.39% | no in-house ratios for this holding |
| UBSG.SW UBS GROUP AG | NON_COMPLIANT | 0.39% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ETN EATON CORP | COMPLIANT | 0.39% | AAOIFI13.4% Usmani38.0% Dow Jones Islamic15.6% S&P Shariah16.9% MSCI Islamic38.0% MSCI Islamic M-Series16.9% FTSE Shariah36.7% |
| First Investors Auto Owner Trust | UNSCREENED | 0.38% | no in-house ratios for this holding |
| Octagon Investment Partners 51 Ltd | UNSCREENED | 0.36% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 0.36% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.36% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| SAMMONS FINANCIAL GLOBAL | UNSCREENED | 0.36% | no in-house ratios for this holding |
| Brookfield Infrastructure Holdings Canada Inc | UNSCREENED | 0.36% | no in-house ratios for this holding |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.35% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| AMGN Amgen Inc. | COMPLIANT | 0.35% | AAOIFI24.9% Usmani59.9% Dow Jones Islamic33.6% S&P Shariah35.1% MSCI Islamic59.9% MSCI Islamic M-Series35.1% FTSE Shariah59.9% |
| GPN Global Payments Inc | NON_COMPLIANT | 0.34% | AAOIFI95.7% Usmani36.9% Dow Jones Islamic108.0% S&P Shariah96.7% MSCI Islamic36.9% MSCI Islamic M-Series96.7% FTSE Shariah36.9% |
| WFC WELLS FARGO & COMPANY | NON_COMPLIANT | 0.34% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.34% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| BAC BANK OF AMERICA CORP | NON_COMPLIANT | 0.34% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| SON Sonoco Products Co | NON_COMPLIANT | 0.34% | AAOIFI101.6% Usmani45.7% Dow Jones Islamic108.8% S&P Shariah106.8% MSCI Islamic45.2% MSCI Islamic M-Series106.8% FTSE Shariah42.4% |
| Verizon Master Trust | UNSCREENED | 0.33% | no in-house ratios for this holding |
| APH AMPHENOL CORPORATION | NON_COMPLIANT | 0.33% | AAOIFI9.5% Usmani42.0% Dow Jones Islamic13.3% S&P Shariah16.1% MSCI Islamic42.0% MSCI Islamic M-Series16.1% FTSE Shariah42.0% |
| BNP.PA BNP PARIBAS | NON_COMPLIANT | 0.33% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BAYN.DE BAYER CORPORATION | NON_COMPLIANT | 0.33% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| C CITIGROUP INC | NON_COMPLIANT | 0.32% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| Evergy Missouri West Inc | UNSCREENED | 0.32% | no in-house ratios for this holding |
| Bowling Green Park CLO LLC | UNSCREENED | 0.31% | no in-house ratios for this holding |
| US BANK NA CINCINNATI | UNSCREENED | 0.31% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.31% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| FORD MOTOR CREDIT CO LLC | UNSCREENED | 0.31% | no in-house ratios for this holding |
| DLLMT LLC | UNSCREENED | 0.30% | no in-house ratios for this holding |
| WEA FINANCE LLC | UNSCREENED | 0.30% | no in-house ratios for this holding |
| C CITIGROUP INC | NON_COMPLIANT | 0.30% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| Hyundai Auto Lease Securitization Trust | UNSCREENED | 0.30% | no in-house ratios for this holding |
| EXE EXPAND ENERGY CORP | COMPLIANT | 0.30% | AAOIFI22.5% Usmani17.3% Dow Jones Islamic22.5% S&P Shariah27.7% MSCI Islamic17.3% MSCI Islamic M-Series27.7% FTSE Shariah17.0% |
| Post CLO LTD | UNSCREENED | 0.30% | no in-house ratios for this holding |
| KDP Keurig Dr Pepper Inc | NON_COMPLIANT | 0.30% | AAOIFI58.6% Usmani30.8% Dow Jones Islamic63.3% S&P Shariah63.1% MSCI Islamic29.6% MSCI Islamic M-Series63.1% FTSE Shariah28.3% |
| Fixed Income Clearing Corp. | UNSCREENED | 0.30% | no in-house ratios for this holding |
| CarMax Auto Owner Trust | UNSCREENED | 0.30% | no in-house ratios for this holding |
| Honda Auto Receivables Owner Trust | UNSCREENED | 0.30% | no in-house ratios for this holding |
| Hyundai Auto Lease Securitization Trust | UNSCREENED | 0.30% | no in-house ratios for this holding |
| Cedar Funding Ltd | UNSCREENED | 0.29% | no in-house ratios for this holding |
| CONSTELLATION EN GEN LLC | UNSCREENED | 0.29% | no in-house ratios for this holding |
| MORGAN STANLEY PVT BANK | UNSCREENED | 0.29% | no in-house ratios for this holding |
| Chevron Phillips Chemical Company LLC | UNSCREENED | 0.29% | no in-house ratios for this holding |
| WFC WELLS FARGO & COMPANY | NON_COMPLIANT | 0.29% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| DANSKE.CO DANSKE BANK A/S | NON_COMPLIANT | 0.28% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| JACKSON NATL LIFE GLOBAL | UNSCREENED | 0.28% | no in-house ratios for this holding |
| US BANK NA CINCINNATI | UNSCREENED | 0.28% | no in-house ratios for this holding |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.27% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| SUMISHO AIR LEASE CORP | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Constellation Energy Generation LLC | UNSCREENED | 0.27% | no in-house ratios for this holding |
| NATWEST MARKETS PLC | UNSCREENED | 0.27% | no in-house ratios for this holding |
| PERUSAHAAN LISTRIK NEGAR | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Host Hotels & Resorts, L.P. | UNSCREENED | 0.27% | no in-house ratios for this holding |
| HON Honeywell International Inc | NON_COMPLIANT | 0.27% | AAOIFI52.6% Usmani45.3% Dow Jones Islamic26.8% S&P Shariah27.3% MSCI Islamic45.2% MSCI Islamic M-Series27.3% FTSE Shariah43.9% |
| GENERAL MOTORS FINL CO | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Honda Auto Receivables Owner Trust | UNSCREENED | 0.27% | no in-house ratios for this holding |
| PNC FINANCIAL SERVICES | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Triton Container International Ltd / TAL International Container Corp | UNSCREENED | 0.27% | no in-house ratios for this holding |
| AutoNation Inc | UNSCREENED | 0.27% | no in-house ratios for this holding |
| MORGAN STANLEY BANK NA | UNSCREENED | 0.27% | no in-house ratios for this holding |
| ORCL ORACLE CORPORATION | NON_COMPLIANT | 0.27% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| ONEOK Inc | UNSCREENED | 0.27% | no in-house ratios for this holding |
| HONA HONEYWELL AEROSPACE INC | COMPLIANT | 0.27% | AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8% |
| WELLS FARGO BANK NA | UNSCREENED | 0.27% | no in-house ratios for this holding |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.27% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| BMO.TO BANK OF MONTREAL | NON_COMPLIANT | 0.27% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| TD TORONTO-DOMINION BANK | NON_COMPLIANT | 0.27% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| First Investors Auto Owner Trust | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Bank | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Enterprise Fleet Financing LLC | UNSCREENED | 0.27% | no in-house ratios for this holding |
| CITIBANK NA | UNSCREENED | 0.26% | no in-house ratios for this holding |
| RY ROYAL BANK OF CANADA | COMPLIANT | 0.26% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| TD TORONTO-DOMINION BANK | NON_COMPLIANT | 0.26% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| STT STATE STREET CORP | NON_COMPLIANT | 0.26% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| AMERICAN HONDA FINANCE | UNSCREENED | 0.26% | no in-house ratios for this holding |
| HCA Inc | UNSCREENED | 0.26% | no in-house ratios for this holding |
| CANADIAN IMPERIAL BANK | UNSCREENED | 0.26% | no in-house ratios for this holding |
| AMERICAN HONDA FINANCE | UNSCREENED | 0.26% | no in-house ratios for this holding |
| MORGAN STANLEY PVT BANK | UNSCREENED | 0.26% | no in-house ratios for this holding |
| Invitation Homes Operating Partnership LP | UNSCREENED | 0.26% | no in-house ratios for this holding |
| RWE.DE RWE AG | NON_COMPLIANT | 0.26% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BAYER US FINANCE LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| Banc of America Commercial Mortgage Trust | UNSCREENED | 0.26% | no in-house ratios for this holding |
| JACKSON NATL LIFE GLOBAL | UNSCREENED | 0.26% | no in-house ratios for this holding |
| Morgan Stanley BAML Trust | UNSCREENED | 0.26% | no in-house ratios for this holding |
| Canyon Capital CLO Ltd | UNSCREENED | 0.26% | no in-house ratios for this holding |
| T.TO TELUS Corp | NON_COMPLIANT | 0.26% | AAOIFI160.4% Usmani52.8% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic52.8% MSCI Islamic M-Seriesfail FTSE Shariah52.8% |
| COREBRIDGE GLOB FUNDING | UNSCREENED | 0.26% | no in-house ratios for this holding |
| Brunswick Corp/DE | UNSCREENED | 0.26% | no in-house ratios for this holding |
| AMRIZE FINANCE US LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| SON Sonoco Products Co | NON_COMPLIANT | 0.25% | AAOIFI101.6% Usmani45.7% Dow Jones Islamic108.8% S&P Shariah106.8% MSCI Islamic45.2% MSCI Islamic M-Series106.8% FTSE Shariah42.4% |
| BARC.L BARCLAYS PLC | NON_COMPLIANT | 0.25% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| WFC WELLS FARGO & COMPANY | NON_COMPLIANT | 0.25% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| AR ANTERO RESOURCES CORPORATION | NON_COMPLIANT | 0.25% | AAOIFI37.8% Usmani30.3% Dow Jones Islamic42.6% S&P Shariah46.0% MSCI Islamic30.3% MSCI Islamic M-Series46.0% FTSE Shariah17.2% |
| PM PHILIP MORRIS INTL INC | NON_COMPLIANT | 0.25% | AAOIFI16.1% Usmani66.9% Dow Jones Islamic18.9% S&P Shariah22.1% MSCI Islamic66.9% MSCI Islamic M-Series22.1% FTSE Shariah66.9% |
| SWED-A.ST SWEDBANK AB | NON_COMPLIANT | 0.25% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Brookfield Infrastructure Holdings Canada Inc | UNSCREENED | 0.25% | no in-house ratios for this holding |
| GRAY OAK PIPELINE LLC | UNSCREENED | 0.25% | no in-house ratios for this holding |
| Volkswagen Auto Loan Enhanced Trust | UNSCREENED | 0.25% | no in-house ratios for this holding |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.25% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| Santander Drive Auto Receivables Trust | UNSCREENED | 0.25% | no in-house ratios for this holding |
| HUNTINGTON NATIONAL BANK | UNSCREENED | 0.24% | no in-house ratios for this holding |
| VERTIV GROUP CORPORATION | UNSCREENED | 0.24% | no in-house ratios for this holding |
| RCL ROYAL CARIBBEAN CRUISES | NON_COMPLIANT | 0.24% | AAOIFI33.1% Usmani52.7% Dow Jones Islamic32.9% S&P Shariah40.4% MSCI Islamic52.7% MSCI Islamic M-Series40.4% FTSE Shariah51.2% |
| GOLDMAN SACHS BANK USA | UNSCREENED | 0.24% | no in-house ratios for this holding |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.24% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| Bain Capital Credit CLO, Limited | UNSCREENED | 0.24% | no in-house ratios for this holding |
| SHB-A.ST SVENSKA HANDELSBANKEN AB | NON_COMPLIANT | 0.24% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.24% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| AIRCASTLE LTD | UNSCREENED | 0.24% | no in-house ratios for this holding |
| World Omni Auto Receivables Trust | UNSCREENED | 0.23% | no in-house ratios for this holding |
| SUMISHO AIR LEASE CORP | UNSCREENED | 0.23% | no in-house ratios for this holding |
| PRA HEALTH SCIENCES INC | UNSCREENED | 0.23% | no in-house ratios for this holding |
| GXO GXO LOGISTICS INC | NON_COMPLIANT | 0.23% | AAOIFI110.4% Usmani53.3% Dow Jones Islamic105.4% S&P Shariah102.0% MSCI Islamic49.5% MSCI Islamic M-Series102.0% FTSE Shariah25.9% |
| KDP Keurig Dr Pepper Inc | NON_COMPLIANT | 0.23% | AAOIFI58.6% Usmani30.8% Dow Jones Islamic63.3% S&P Shariah63.1% MSCI Islamic29.6% MSCI Islamic M-Series63.1% FTSE Shariah28.3% |
| BACARDI LTD | UNSCREENED | 0.22% | no in-house ratios for this holding |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.22% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| STELLANTIS FINANCIAL SER | UNSCREENED | 0.22% | no in-house ratios for this holding |
| Ford Credit Auto Lease Trust | UNSCREENED | 0.22% | no in-house ratios for this holding |
| Triton Container International Ltd / TAL International Container Corp | UNSCREENED | 0.22% | no in-house ratios for this holding |
| Signal Peak CLO, LLC | UNSCREENED | 0.22% | no in-house ratios for this holding |
| PEAC Solutions Receivables LLC | UNSCREENED | 0.22% | no in-house ratios for this holding |
| BAYN.DE BAYER CORPORATION | NON_COMPLIANT | 0.22% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| SCF Equipment Trust Llc | UNSCREENED | 0.22% | no in-house ratios for this holding |
| Stellantis Financial Underwritten Enhanced Lease Trust | UNSCREENED | 0.22% | no in-house ratios for this holding |
| RY ROYAL BANK OF CANADA | COMPLIANT | 0.22% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| MSI MOTOROLA SOLUTIONS INC | COMPLIANT | 0.22% | AAOIFI12.4% Usmani50.0% Dow Jones Islamic13.4% S&P Shariah14.5% MSCI Islamic50.0% MSCI Islamic M-Series14.5% FTSE Shariah46.9% |
| HONA HONEYWELL AEROSPACE INC | COMPLIANT | 0.22% | AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8% |
| F&G GLOBAL FUNDING | UNSCREENED | 0.22% | no in-house ratios for this holding |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.21% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| HCA Inc | UNSCREENED | 0.21% | no in-house ratios for this holding |
| ATHENE GLOBAL FUNDING | UNSCREENED | 0.21% | no in-house ratios for this holding |
| Bank of America Auto Trust | UNSCREENED | 0.21% | no in-house ratios for this holding |
| UBSG.SW UBS GROUP AG | NON_COMPLIANT | 0.21% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| TRUIST BANK | UNSCREENED | 0.21% | no in-house ratios for this holding |
| RY ROYAL BANK OF CANADA | COMPLIANT | 0.21% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| Dryden Senior Loan Fund | UNSCREENED | 0.21% | no in-house ratios for this holding |
| COMM Mortgage Trust | UNSCREENED | 0.21% | no in-house ratios for this holding |
| CarMax Auto Owner Trust | UNSCREENED | 0.21% | no in-house ratios for this holding |
| Synchrony Card Issuance Trust | UNSCREENED | 0.21% | no in-house ratios for this holding |
| GM Financial Automobile Leasing Trust | UNSCREENED | 0.20% | no in-house ratios for this holding |
| FORD MOTOR CREDIT CO LLC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| TD TORONTO-DOMINION BANK | NON_COMPLIANT | 0.20% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| Wells Fargo Commercial Mortgage Trust | UNSCREENED | 0.20% | no in-house ratios for this holding |
| GLAXOSMITHKLINE CAPITAL | UNSCREENED | 0.20% | no in-house ratios for this holding |
| ZIONS BANCORP NA | UNSCREENED | 0.20% | no in-house ratios for this holding |
| SUMISHO AIR LEASE CORP | UNSCREENED | 0.20% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.20% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| UBSG.SW UBS GROUP AG | NON_COMPLIANT | 0.20% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Toyota Auto Receivables Owner Trust | UNSCREENED | 0.20% | no in-house ratios for this holding |
| UBS Commercial Mortgage Trust | UNSCREENED | 0.19% | no in-house ratios for this holding |
| GLS Auto Receivables Trust | UNSCREENED | 0.19% | no in-house ratios for this holding |
| AmeriCredit Automobile Receivables Trust | UNSCREENED | 0.19% | no in-house ratios for this holding |
| HSBA.L HSBC HOLDINGS PLC | NON_COMPLIANT | 0.19% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| NATWEST MARKETS PLC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| STELLANTIS FIN US INC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| VICI PROPERTIES / NOTE | UNSCREENED | 0.19% | no in-house ratios for this holding |
| GLS Auto Receivables Trust | UNSCREENED | 0.19% | no in-house ratios for this holding |
| GM Financial Securitized Term Auto Receivables Tr | UNSCREENED | 0.19% | no in-house ratios for this holding |
| Westlake Automobile Receivables Trust | UNSCREENED | 0.19% | no in-house ratios for this holding |
| LAD Auto Receivables Trust | UNSCREENED | 0.19% | no in-house ratios for this holding |
| HYUNDAI CAPITAL AMERICA | UNSCREENED | 0.19% | no in-house ratios for this holding |
| KOREA NATIONAL OIL CORP | UNSCREENED | 0.19% | no in-house ratios for this holding |
| GEORGIA POWER CO | UNSCREENED | 0.19% | no in-house ratios for this holding |
| HYUNDAI CAPITAL AMERICA | UNSCREENED | 0.19% | no in-house ratios for this holding |
| Constellation Energy Generation LLC | UNSCREENED | 0.18% | no in-house ratios for this holding |
| GLE.PA SOCIETE GENERALE | NON_COMPLIANT | 0.18% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| AVOLON HOLDINGS FNDG LTD | UNSCREENED | 0.18% | no in-house ratios for this holding |
| FRONTIER FLORIDA LLC | UNSCREENED | 0.18% | no in-house ratios for this holding |
| Morgan Stanley BAML Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| HSBA.L HSBC HOLDINGS PLC | NON_COMPLIANT | 0.18% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| VISTRA OPERATIONS CO LLC | UNSCREENED | 0.18% | no in-house ratios for this holding |
| SFS Auto Receivables Securitization Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| Toyota Lease Owner Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| AutoNation Finance Trust 2025-1 | UNSCREENED | 0.18% | no in-house ratios for this holding |
| AmeriCredit Automobile Receivables Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| RR Ltd | UNSCREENED | 0.18% | no in-house ratios for this holding |
| COREBRIDGE GLOB FUNDING | UNSCREENED | 0.18% | no in-house ratios for this holding |
| CSAIL Commercial Mortgage Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| Santander Drive Auto Receivables Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| Brookfield Infrastructure Holdings Canada Inc | UNSCREENED | 0.18% | no in-house ratios for this holding |
| KKR Financial CLO Ltd | UNSCREENED | 0.18% | no in-house ratios for this holding |
| Westlake Automobile Receivables Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| CITIBANK NA | UNSCREENED | 0.18% | no in-house ratios for this holding |
| LAD Auto Receivables Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| KKR Financial CLO Ltd | UNSCREENED | 0.17% | no in-house ratios for this holding |
| World Omni Auto Receivables Trust | UNSCREENED | 0.17% | no in-house ratios for this holding |
| JDE PEET'S NV | UNSCREENED | 0.17% | no in-house ratios for this holding |
| Nassau LTD | UNSCREENED | 0.17% | no in-house ratios for this holding |
| NWG.L NATWEST GROUP PLC | NON_COMPLIANT | 0.17% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| CONTINENTAL RESOURCES | UNSCREENED | 0.17% | no in-house ratios for this holding |
| Cent CLO LP | UNSCREENED | 0.17% | no in-house ratios for this holding |
| M&T Bank Auto Receivables Trust | UNSCREENED | 0.17% | no in-house ratios for this holding |
| LLOY.L LLOYDS BANKING GROUP PLC | NON_COMPLIANT | 0.17% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BRIGHTHSE FIN GLBL FUND | UNSCREENED | 0.17% | no in-house ratios for this holding |
| Fifth Third Auto Trust | UNSCREENED | 0.17% | no in-house ratios for this holding |
| Westlake Automobile Receivables Trust | UNSCREENED | 0.17% | no in-house ratios for this holding |
| NATIONAL SECS CLEARING | UNSCREENED | 0.17% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.17% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| Honda Auto Receivables Owner Trust | UNSCREENED | 0.17% | no in-house ratios for this holding |
| PFE PFIZER INC | NON_COMPLIANT | 0.17% | AAOIFI39.8% Usmani31.4% Dow Jones Islamic46.1% S&P Shariah45.9% MSCI Islamic31.4% MSCI Islamic M-Series45.9% FTSE Shariah31.4% |
| CABK.MC CAIXABANK SA | NON_COMPLIANT | 0.17% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ABBV ABBVIE INC | COMPLIANT | 0.16% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| NRG NRG ENERGY INC | NON_COMPLIANT | 0.16% | AAOIFI85.9% Usmani53.8% Dow Jones Islamic81.4% S&P Shariah98.7% MSCI Islamic53.8% MSCI Islamic M-Series98.7% FTSE Shariah53.3% |
| Westlake Automobile Receivables Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| Santander Drive Auto Receivables Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| CarMax Select Receivables Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| GENERAL MOTORS FINL CO | UNSCREENED | 0.16% | no in-house ratios for this holding |
| AON AON CORP | NON_COMPLIANT | 0.16% | AAOIFI22.9% Usmani29.4% Dow Jones Islamic20.7% S&P Shariah21.9% MSCI Islamic29.4% MSCI Islamic M-Series21.9% FTSE Shariah28.1% |
| Post Road Equipment Finance | UNSCREENED | 0.16% | no in-house ratios for this holding |
| JP MORGAN CHASE BANK NA | UNSCREENED | 0.16% | no in-house ratios for this holding |
| BMO.TO BANK OF MONTREAL | NON_COMPLIANT | 0.16% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ATHENE GLOBAL FUNDING | UNSCREENED | 0.16% | no in-house ratios for this holding |
| AMERICAN HONDA FINANCE | UNSCREENED | 0.16% | no in-house ratios for this holding |
| KDP KEURIG DR PEPPER INC | NON_COMPLIANT | 0.16% | AAOIFI58.6% Usmani30.8% Dow Jones Islamic63.3% S&P Shariah63.1% MSCI Islamic29.6% MSCI Islamic M-Series63.1% FTSE Shariah28.3% |
| MERCEDES-BENZ FIN NA | UNSCREENED | 0.16% | no in-house ratios for this holding |
| KDP Keurig Dr Pepper Inc | NON_COMPLIANT | 0.16% | AAOIFI58.6% Usmani30.8% Dow Jones Islamic63.3% S&P Shariah63.1% MSCI Islamic29.6% MSCI Islamic M-Series63.1% FTSE Shariah28.3% |
| ETR Entergy Corp | NON_COMPLIANT | 0.16% | AAOIFI65.8% Usmani43.6% Dow Jones Islamic83.2% S&P Shariah99.2% MSCI Islamic43.5% MSCI Islamic M-Series99.2% FTSE Shariah43.1% |
| VOLKSWAGEN GROUP AMERICA | UNSCREENED | 0.16% | no in-house ratios for this holding |
The published standards disagree about this fund by 3 points of portfolio weight — 6.2% of it passes Dow Jones Islamic, 3.4% passes Usmani. Which number is yours depends on which standard you follow.
These bars are the financial-ratio result under each standard — debt, receivables and interest income. They do not screen what the business does, so a holding can pass every ratio here and still be questionable or non-compliant on activity. The blended verdict above accounts for both.
ratios pass on 4.4% ratios fail on 29.2% 67.4% not rated under AAOIFI
ratios pass on 3.4% ratios fail on 23.6% 73.9% not rated under Usmani
ratios pass on 6.2% ratios fail on 27.4% 67.4% not rated under Dow Jones Islamic
ratios pass on 4.7% ratios fail on 28.2% 68.1% not rated under S&P Shariah
ratios pass on 3.6% ratios fail on 23.5% 73.9% not rated under MSCI Islamic
ratios pass on 4.7% ratios fail on 28.9% 67.4% not rated under MSCI Islamic M-Series
ratios pass on 3.9% ratios fail on 23.2% 73.9% not rated under FTSE Shariah
77 of 644 listed holdings carry our own per-methodology verdicts (34% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 57 (25% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
Trade setup
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Lord Abbett Ultra Short Bond Fund (LUBWX) is currently considered not halal (non-compliant), per our own look-through to its filed holdings. See its filed holdings and the weight breakdown below for the reasoning.
Screened on its holdings, not its name
HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A holding it cannot cover far enough is reported as unrated rather than counted as a pass.
| Holding | Weight | Verdict |
|---|---|---|
| United States Treasurynot matched to a ticker | 2.13% | Non-compliant |
| GSGOLDMAN SACHS GROUP INC | 0.98% | Non-compliant |
| SANTANDER UK GROUP HLDGSnot matched to a ticker | 0.96% | Not screened |
| VSTVISTRA CORP | 0.89% | Non-compliant |
| CCITIGROUP INC | 0.73% | Non-compliant |
| WFCWELLS FARGO & COMPANY | 0.72% | Non-compliant |
| RWE.DERWE AG | 0.72% | Non-compliant |
| CCITIGROUP INC | 0.67% | Non-compliant |
| GLE.PASOCIETE GENERALE | 0.62% | Non-compliant |
| MSMORGAN STANLEY | 0.60% | Non-compliant |
Top 10 of 644 holdings, 9.0% of the fund by weight. Every holding is screened, not only these.
What holds the number back
The positions keeping this fund short of 100% compliant by weight.
- United States Treasurynon-compliant2.13%
- GSnon-compliant0.98%
- SANTANDER UK GROUP HLDGSnot screened0.96%
- VSTnon-compliant0.89%
- Cnon-compliant0.73%
- WFCnon-compliant0.72%
What changed, and when
Verdict history for LUBWX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
- 2026-09-07 No change recorded No verdict change for LUBWX has been recorded since tracking began. The scan ledger records that the compliance detectors ran, not which symbols each pass covered.
ℹ️ no compliance scan has run for 6 days - this is not a reading of today
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
This fund prices once a day, so its bars carry no intraday high or low — floor-trader pivots are not defined for it.
Price Forecast
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally below. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
Technical Summary
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Every indicator, and what it reads
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 60.40 | NEUTRAL |
| Stochastic %K (14) | 0.00 | BUY |
| CCI (20) | 31.96 | NEUTRAL |
| Williams %R (14) | -100.00 | BUY |
| MACD (12,26,9) | -0.00 | SELL |
| ROC (10) | 0.00 | NEUTRAL |
| Momentum (10) | 0.00 | NEUTRAL |
| EMA (10) | 9.99 | SELL |
| SMA (10) | 9.99 | SELL |
| EMA (20) | 9.99 | BUY |
| SMA (20) | 9.99 | BUY |
| EMA (30) | 9.98 | BUY |
| SMA (30) | 9.98 | BUY |
| EMA (50) | 9.97 | BUY |
| SMA (50) | 9.97 | BUY |
| EMA (100) | 9.93 | BUY |
| SMA (100) | 9.94 | BUY |
| EMA (200) | 9.87 | BUY |
| SMA (200) | 9.87 | BUY |
SMC — Top Down
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
Before you act on this
The questions worth asking about any verdict on this page, answered plainly.
Is a fund screened on its name?
No. HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A fund marketed as Islamic still gets the same look-through as any other.
What does unrated weight mean?
It is the share of the fund whose holdings HTR cannot cover far enough to rate. It is reported as unrated rather than counted as compliant, because a holding nobody screened should not look like one that passed.
Does the issuer's board make it compliant?
It matters, and it is noted, but it does not replace the look-through. The board's judgement and the holdings screen are shown separately so you can see when they agree and when they do not.
How often is this re-screened?
When the fund files new holdings, and on a rolling basis besides. The date on the verdict above is the last time this fund was actually recomputed.
Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.
Compare with
Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.
Peer screening computing — it will appear here on its own.
AI Summary
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.