diff --git a/changelog.d/scf-bond-docstring.fixed.md b/changelog.d/scf-bond-docstring.fixed.md
new file mode 100644
index 0000000000..81090c1cbe
--- /dev/null
+++ b/changelog.d/scf-bond-docstring.fixed.md
@@ -0,0 +1 @@
+Correct the `scf_wealth` docstring: SCF `bond` is directly held tax-exempt, mortgage-backed, U.S. government and agency, and corporate and foreign bonds. It excludes U.S. savings bonds, which the SCF reports separately as `savbnd` and this stage does not read, and bond funds, which are in `nmmf`. The docstring had said `bond` included savings bonds. Because the spec engine hashes `scf_wealth.py`'s bytes into the legacy-v1 seed-protocol attestation, the seed-protocol and seed-map digests, the US `spec_sha256`, the loader golden vector and `docs/evidence/spec-engine/us-f0-coverage.json` are re-pinned. No behaviour or data changes.
diff --git a/docs/evidence/spec-engine/us-f0-coverage.json b/docs/evidence/spec-engine/us-f0-coverage.json
index fec570e20b..f99b29cdf6 100644
--- a/docs/evidence/spec-engine/us-f0-coverage.json
+++ b/docs/evidence/spec-engine/us-f0-coverage.json
@@ -1656,13 +1656,13 @@
           "compiler_ir.node_slices"
         ],
         "expected": {
-          "map_sha256": "085d8d39ddde7827926a6e33fbba1c7f6e85e193fcd6ae5b4d1c91efeb73a176",
-          "protocol_sha256": "be39eb6b08b4fbee55f2911a3e8ddef753b24c51dd2a25655e49879e12f622cb"
+          "map_sha256": "0fa116d9f5dae4ba0378f190d6c822b92f3dcf1e3fe80c9880bcaf87431c283c",
+          "protocol_sha256": "b4afa376b62fbc073fd10d74e40921f5ab60c1efe366e2c8504872091ea69d08"
         },
         "failures": [],
         "observed": {
-          "map_sha256": "085d8d39ddde7827926a6e33fbba1c7f6e85e193fcd6ae5b4d1c91efeb73a176",
-          "protocol_sha256": "be39eb6b08b4fbee55f2911a3e8ddef753b24c51dd2a25655e49879e12f622cb"
+          "map_sha256": "0fa116d9f5dae4ba0378f190d6c822b92f3dcf1e3fe80c9880bcaf87431c283c",
+          "protocol_sha256": "b4afa376b62fbc073fd10d74e40921f5ab60c1efe366e2c8504872091ea69d08"
         },
         "status": "covered"
       },
@@ -1677,7 +1677,7 @@
           "compiler_ir.seed_stream_map"
         ],
         "expected": {
-          "implementation_sha256": "be39eb6b08b4fbee55f2911a3e8ddef753b24c51dd2a25655e49879e12f622cb",
+          "implementation_sha256": "b4afa376b62fbc073fd10d74e40921f5ab60c1efe366e2c8504872091ea69d08",
           "protocol": "legacy-v1",
           "streams": [
             "build_model",
@@ -1698,7 +1698,7 @@
         },
         "failures": [],
         "observed": {
-          "implementation_sha256": "be39eb6b08b4fbee55f2911a3e8ddef753b24c51dd2a25655e49879e12f622cb",
+          "implementation_sha256": "b4afa376b62fbc073fd10d74e40921f5ab60c1efe366e2c8504872091ea69d08",
           "protocol": "legacy-v1",
           "streams": [
             "build_model",
@@ -2599,7 +2599,7 @@
       "country": "us",
       "schema_id": "country_spec",
       "schema_version": 1,
-      "spec_sha256": "e0b757cee1b860b304e099282ad0f9684c10f5e04fddbce128e6bd88b3480fe8"
+      "spec_sha256": "d1df6b316e4937e809f5f020ea2d3a7bd38bccc1845f3ae6e104f7eed6a73323"
     }
   },
   "report_schema_version": 3,
@@ -2609,7 +2609,7 @@
     "country": "us",
     "schema_id": "country_spec",
     "schema_version": 1,
-    "spec_sha256": "e0b757cee1b860b304e099282ad0f9684c10f5e04fddbce128e6bd88b3480fe8"
+    "spec_sha256": "d1df6b316e4937e809f5f020ea2d3a7bd38bccc1845f3ae6e104f7eed6a73323"
   },
   "status": "pass"
 }
diff --git a/packages/microcosm-build/src/microcosm/build/spec_engine/inventory_coverage.py b/packages/microcosm-build/src/microcosm/build/spec_engine/inventory_coverage.py
index 1374df1617..3fddff951a 100644
--- a/packages/microcosm-build/src/microcosm/build/spec_engine/inventory_coverage.py
+++ b/packages/microcosm-build/src/microcosm/build/spec_engine/inventory_coverage.py
@@ -359,8 +359,8 @@
     "late_schedule": "e59c019d3d454eac99ac0ac209b6c5b6faaf9bdfcaeee18c36a25be19bf7da2f",
     "ownership": "5f64f0aac49e2313177564f71876bffc8c81b3ded4df701e70930e60e9c98356",
     "primary_tuples": "fdf23da429f8c501e198a2f5b719763d523a41565c2153fdf17b0344f21bcd7c",
-    "seed_map": "085d8d39ddde7827926a6e33fbba1c7f6e85e193fcd6ae5b4d1c91efeb73a176",
-    "seed_protocol": "be39eb6b08b4fbee55f2911a3e8ddef753b24c51dd2a25655e49879e12f622cb",
+    "seed_map": "0fa116d9f5dae4ba0378f190d6c822b92f3dcf1e3fe80c9880bcaf87431c283c",
+    "seed_protocol": "b4afa376b62fbc073fd10d74e40921f5ab60c1efe366e2c8504872091ea69d08",
     "source_manifest": "f4f8bfeb79268a4043a843b47cec1d1c0e58e9f5dd6bc23417ada95446dd7b8e",
     "take_up": "9522ce40f7dea569312dd7a7beb474e5a5afadd2f1e10cb5876534c3ef623d35",
     "tail": "ac92829c88a1a4fb6460d61190918d5d99c6c377fc8dd8f62f02b332d09bf59c",
diff --git a/packages/microcosm-build/src/microcosm/build/us_runtime/scf_wealth.py b/packages/microcosm-build/src/microcosm/build/us_runtime/scf_wealth.py
index 4b368f5303..e77540daae 100644
--- a/packages/microcosm-build/src/microcosm/build/us_runtime/scf_wealth.py
+++ b/packages/microcosm-build/src/microcosm/build/us_runtime/scf_wealth.py
@@ -27,7 +27,10 @@
 - ``stock_assets`` ← SCF ``stocks`` + ``nmmf`` (directly-held stock plus
   stock/non-money-market mutual funds — the one code-level summation the
   canonical pipeline applies).
-- ``bond_assets`` ← SCF ``bond`` (savings bonds plus other bonds).
+- ``bond_assets`` ← SCF ``bond`` (directly held tax-exempt, mortgage-backed,
+  U.S. government and agency, and corporate and foreign bonds). Bond funds
+  are in ``nmmf``, so they land in ``stock_assets``; U.S. savings bonds are
+  the SCF's separate ``savbnd``, which this stage does not read.
 
 The SCF QRF's eight predictors are age, sex, race, marriage, own children,
 employment income, interest/dividend income, and Social Security/pension
diff --git a/packages/microcosm-build/tests/engine_free/shared/test_spec_engine_loader.py b/packages/microcosm-build/tests/engine_free/shared/test_spec_engine_loader.py
index 846e867072..718f4ff565 100644
--- a/packages/microcosm-build/tests/engine_free/shared/test_spec_engine_loader.py
+++ b/packages/microcosm-build/tests/engine_free/shared/test_spec_engine_loader.py
@@ -12,7 +12,7 @@ def test_semantic_hash_has_golden_vector_and_surface_separation(tmp_path) -> Non
     # Pin the domain separator, normalization rules, schema-set receipt, and
     # exact normative projection as one reviewable golden vector.
     assert first.spec_sha256 == (
-        "fee5893a3de168f4318026d94ab70090296544674f6c388d16ac53296d99640c"
+        "6273f82f0e4899e97d1bede4db0662829b3df6f420dba32c0e67018d010c2c91"
     )
 
     second_root = _rich_minimal(tmp_path / "xy", note="second", store="local:b")
diff --git a/packages/microcosm-build/tests/engine_workflow/us/test_us_multispine_pool_tool.py b/packages/microcosm-build/tests/engine_workflow/us/test_us_multispine_pool_tool.py
index c801c0316e..ca014679be 100644
--- a/packages/microcosm-build/tests/engine_workflow/us/test_us_multispine_pool_tool.py
+++ b/packages/microcosm-build/tests/engine_workflow/us/test_us_multispine_pool_tool.py
@@ -338,7 +338,7 @@ def capture_equality(expected: object, actual: object) -> None:
             "country": "us",
             "schema_id": "country_spec",
             "schema_version": 1,
-            "spec_sha256": "e0b757cee1b860b304e099282ad0f9684c10f5e04fddbce128e6bd88b3480fe8",
+            "spec_sha256": "d1df6b316e4937e809f5f020ea2d3a7bd38bccc1845f3ae6e104f7eed6a73323",
         },
     }