Update README.md

update how to use code

README.md

@@ -24,6 +24,10 @@ Trained on FINRA FTD + TRACE (2009-2025).
 **Usage**
 
 ```python
-import joblib, pandas as pd
-model = joblib.load("xgb_next_day_fails_model.joblib")
-y_hat = model.predict(pd.DataFrame(...))
+import joblib, lightgbm as lgb, pandas as pd
+xgb = joblib.load("xgb_next_day_fails_model.joblib")
+lgbm = lgb.Booster(model_file="lgb_quantile90_next_day_fails.txt")
+
+y_hat  = xgb.predict(X_new)
+y_q90  = lgbm.predict(X_new)
+alert  = y_hat > y_q90