Update app.py

app.py

@@ -1,15 +1,13 @@
 # ============================================================
-# 🏦 SME Credit Risk Assessment — FINAL (FIXED)
+# 🏦 SME Credit Risk Assessment — FINAL
 # Final Project | AI Engineering Bootcamp Batch 10
 # Author: 1na37
 # ============================================================
-# FIX LIST:
-#   1. inject_media_manager() now CALLED after tabs (was defined but never called)
-#   2. result/shap_vals/raw_input pulled from session_state before tabs
-#   3. Guards added: tabs show "submit form first" if result is None
-#   4. SHAP tab guard for shap_vals None
-#   5. Download button guarded (only shown after result exists)
-#   6. Mute sync: inject_media_manager called every render after result
+# Basis: OLDER untuk Maya AI logic, CoT, persona
+#        TRANSLATION untuk Hindi Latin transliteration
+#        NEWER untuk bug fixes: API Tracker
+# FIX: _set_status ternary → if/else (Python 3.13 compat)
+# FIX: Sidebar reorder sesuai permintaan
 # ============================================================
 
 import streamlit as st
@@ -32,7 +30,7 @@ st.set_page_config(
 )
 
 # ============================================================
-# TRANSLATION SYSTEM
+# TRANSLATION SYSTEM — Latin Hindi (Hinglish transliteration)
 # ============================================================
 TRANSLATIONS = {
     'sidebar_api':       {'id':'🔑 API Keys (opsional)',       'en':'🔑 API Keys (optional)',     'hi':'🔑 API Keys (vaikalpik)'},
@@ -131,9 +129,7 @@ TRANSLATIONS = {
     'wi_pd_from':        {'id':'dari',                         'en':'from',                        'hi':'se'},
     'wi_no_change':      {'id':'Perubahan minimal pada skor risiko','en':'Minimal change in risk score','hi':'Jokhim score mein nyoonatam badlaav'},
     'wi_tips_title':     {'id':'💡 Tips Optimasi Skor',        'en':'💡 Score Optimization Tips',  'hi':'💡 Score Sudhaar Tips'},
-    'wi_form_first':     {'id':'⬆️ Submit form terlebih dahulu untuk melihat simulasi.',
-                          'en':'⬆️ Submit the form first to see the simulation.',
-                          'hi':'⬆️ Pehle form submit karein simulation dekhne ke liye.'},
+    'wi_form_first':     {'id':'Submit form terlebih dahulu',  'en':'Submit the form first',        'hi':'Pehle form submit karein'},
     'wi_approved':       {'id':'LAYAK',                        'en':'APPROVED',                    'hi':'SWIKAARY'},
     'wi_review':         {'id':'REVIEW',                       'en':'REVIEW',                      'hi':'SAMEEKSHA'},
     'wi_highrisk':       {'id':'RISIKO TINGGI',                'en':'HIGH RISK',                   'hi':'UCHCH JOKHIM'},
@@ -157,6 +153,10 @@ TRANSLATIONS = {
     'risk_approved':     {'id':'🟢 LAYAK',                     'en':'🟢 APPROVED',                 'hi':'🟢 YOGYA'},
     'risk_review':       {'id':'🟡 PERLU REVIEW',              'en':'🟡 REVIEW',                   'hi':'🟡 SAMEEKSHA'},
     'risk_high':         {'id':'🔴 BERISIKO TINGGI',           'en':'🔴 HIGH RISK',                'hi':'🔴 UCHCH JOKHIM'},
+    'empty_ensemble':    {'id':'Ensemble',                     'en':'Ensemble',                    'hi':'Ensemble'},
+    'empty_xai':         {'id':'XAI',                          'en':'XAI',                         'hi':'XAI'},
+    'empty_narrative':   {'id':'Narasi',                       'en':'Narrative',                   'hi':'Vivarana'},
+    'empty_chat':        {'id':'AI Chat',                      'en':'AI Chat',                     'hi':'AI Baatcheet'},
 }
 
 def T(key: str, lang: str) -> str:
@@ -164,7 +164,7 @@ def T(key: str, lang: str) -> str:
     return entry.get(lang, entry.get('en', key))
 
 # ============================================================
-# SELECTBOX LABELS
+# SELECTBOX LABELS — Latin Hindi transliteration
 # ============================================================
 CHECKING_OPTS = ['<0', '0<=X<200', '>=200', 'no checking']
 CHECKING_LABELS = {
@@ -220,7 +220,7 @@ HOUSING_LABELS = {
 LANG_LABELS = {'id':'🇮🇩 Bahasa Indonesia','en':'🇬🇧 English','hi':'🇮🇳 Hindi (Roman)'}
 
 # ============================================================
-# CSS
+# CSS STYLING
 # ============================================================
 st.markdown("""
 <style>
@@ -295,7 +295,7 @@ def _log_api(step: str, src: str, ok: bool, ms: int):
     st.session_state.api_log = st.session_state.api_log[-20:]
 
 # ============================================================
-# _set_status — FIX: if/else instead of ternary (Python 3.13)
+# _set_status — FIX: if/else instead of ternary
 # ============================================================
 def _set_status(msg: str):
     st.session_state['llm_status'] = msg
@@ -313,7 +313,7 @@ def _set_status(msg: str):
                 pass
 
 # ============================================================
-# FORMAL TOOL CALLING SCHEMA
+# FORMAL TOOL CALLING SCHEMA (Agentic AI)
 # ============================================================
 MAYA_TOOLS = [
     {
@@ -342,6 +342,7 @@ MAYA_TOOLS = [
     }
 ]
 
+# Tool-capable model subsets
 _OR_TOOL_MODELS = [
     "google/gemini-2.0-flash-exp:free",
     "qwen/qwen3-32b:free",
@@ -356,7 +357,7 @@ _GROQ_TOOL_MODELS = [
 ]
 
 # ============================================================
-# LLM API CALLERS
+# LLM API CALLERS (with status + timing)
 # ============================================================
 def call_openrouter_tools(messages, api_key, tools=None):
     if not api_key:
@@ -452,6 +453,7 @@ def _clean_response(text: str) -> tuple:
         return text, {}
     adjustments = {}
     text = re.sub(r'<think>.*?</think>', '', text, flags=re.DOTALL).strip()
+
     json_pattern = re.compile(r'\{[^{}]*"field"\s*:\s*"([^"]+)"[^{}]*"value"\s*:\s*([\d.]+)[^{}]*\}', re.DOTALL)
     valid_fields = {'digital_presence_score','business_age_years','num_employees','monthly_cash_flow','duration','loan_rp'}
     for m in json_pattern.finditer(text):
@@ -459,23 +461,27 @@ def _clean_response(text: str) -> tuple:
         if field in valid_fields:
             adjustments[field] = val
     text = json_pattern.sub('', text).strip()
+
     for m in re.finditer(r'\[ADJUST:\s*(\w+)\s*=\s*([\d.]+)\]', text):
         field, val = m.group(1), float(m.group(2))
         if field not in adjustments:
             adjustments[field] = val
     text = re.sub(r'\s*\[ADJUST:[^\]]+\]\s*', ' ', text).strip()
+
     _standalone_action = re.compile(
         r',?\s*(?:coba\s+)?(?:naikkan|tingkatkan|kurangi|optimalkan|pertahankan|daftarkan|pastikan|perbaiki)'
         r'\s+\S+\s+(?:ke|ke\s+)[\w\s./]+(?:jt|M|juta|bulan|tahun|/bln|/month)?\.?\s*$',
         re.IGNORECASE
     )
     text = _standalone_action.sub('', text).strip()
+
     _standalone_en = re.compile(
         r',?\s*(?:try\s+)?(?:raise|increase|lower|reduce|optimize|improve|register)\s+'
         r'\S+\s+(?:to|to\s+)[\w\s./]+(?:M|jt|juta|months?|years?)?\.?\s*$',
         re.IGNORECASE
     )
     text = _standalone_en.sub('', text).strip()
+
     text = re.sub(r'  +', ' ', text)
     text = re.sub(r' ([,.])', r'\1', text)
     text = re.sub(r'\n\*\*\s*\*\*\s*$', '', text, flags=re.MULTILINE).strip()
@@ -483,6 +489,7 @@ def _clean_response(text: str) -> tuple:
     return text, adjustments
 
 def _call_chat_llm(messages):
+    """Cascade: OR tools → Groq tools → OR no-tools → Groq no-tools."""
     _or  = st.session_state.get("openrouter_key", "")
     _grq = st.session_state.get("groq_key", "")
     if _or:
@@ -584,6 +591,9 @@ def _load_chat_memory():
         pass
     return [], ""
 
+# ============================================================
+# MEMORY SUMMARIZATION
+# ============================================================
 def _summarize_history(history, lang):
     if len(history) <= 8:
         return history, st.session_state.get('chat_summary', '')
@@ -610,19 +620,24 @@ def _summarize_history(history, lang):
     st.session_state.chat_summary = new_summary
     return recent_turns, new_summary
 
-# Early init session state
-for _k, _v in [('gif_muted', False), ('llm_status', ''), ('api_log', []), ('_last_muted_sent', None)]:
+# Early init
+for _k, _v in [('llm_status', ''), ('api_log', [])]:
     if _k not in st.session_state:
         st.session_state[_k] = _v
 
 # ============================================================
-# SIDEBAR
+# SIDEBAR — reordered:
+# 1. Title
+# 2. Language
+# 3. API key status + live LLM status
+# 4. API Tracker
+# 5. Stack / footer
 # ============================================================
 with st.sidebar:
     st.markdown("## 🏦 SME Credit Risk AI")
     st.markdown("---")
 
-    # Language selector
+    # 1. Language selector
     if 'lang_sel' not in st.session_state:
         st.session_state.lang_sel = 'id'
     lang = st.radio(
@@ -633,80 +648,14 @@ with st.sidebar:
     )
     st.markdown("---")
 
-    # Music toggle
-    _musik_labels = {'id':'### 🎵 Musik','en':'### 🎵 Music','hi':'### 🎵 Sangeet'}
-    st.markdown(_musik_labels.get(lang, _musik_labels['id']))
-
-    _mute_labels = {
-        'id': ('🔇 Matikan Suara', '🔊 Nyalakan Suara'),
-        'en': ('🔇 Mute Sound',    '🔊 Unmute Sound'),
-        'hi': ('🔇 Awaaz Band',    '🔊 Awaaz Chalu'),
-    }
-    _ml = _mute_labels.get(lang, _mute_labels['id'])
-    mute_label = _ml[0] if not st.session_state.gif_muted else _ml[1]
-    if st.button(mute_label, key="btn_mute", use_container_width=True):
-        st.session_state.gif_muted = not st.session_state.gif_muted
-        st.rerun()
-
-    _musik_active = {
-        'id': 'Musik aktif di tab SHAP & What-If',
-        'en': 'Music active on SHAP & What-If tabs',
-        'hi': 'Sangeet SHAP & What-If tab mein active hai',
-    }
-    st.caption(_musik_active.get(lang, _musik_active['id']))
-
-    # Media file status
-    _media_files_map = {
-        'crying_cat.gif': {'id':'GIF Kucing Nangis (tab SHAP)','en':'Crying Cat GIF (SHAP tab)','hi':'Rota Billa GIF (SHAP tab)'},
-        'dance1.gif': {'id':'Dance GIF 1 (What-If)','en':'Dance GIF 1 (What-If)','hi':'Dance GIF 1 (What-If)'},
-        'dance2.gif': {'id':'Dance GIF 2 (What-If)','en':'Dance GIF 2 (What-If)','hi':'Dance GIF 2 (What-If)'},
-        'dance3.gif': {'id':'Dance GIF 3 (What-If)','en':'Dance GIF 3 (What-If)','hi':'Dance GIF 3 (What-If)'},
-        'dance4.gif': {'id':'Dance GIF 4 (What-If)','en':'Dance GIF 4 (What-If)','hi':'Dance GIF 4 (What-If)'},
-        'dance5.gif': {'id':'Dance GIF 5 (What-If)','en':'Dance GIF 5 (What-If)','hi':'Dance GIF 5 (What-If)'},
-        'idk.mp3':    {'id':'Musik SHAP (idk.mp3)', 'en':'SHAP Music (idk.mp3)', 'hi':'SHAP Sangeet (idk.mp3)'},
-        'shake.mp3':  {'id':'Musik What-If (shake.mp3)','en':'What-If Music (shake.mp3)','hi':'What-If Sangeet (shake.mp3)'},
-    }
-    _missing = [(f, l[lang]) for f, l in _media_files_map.items() if not os.path.exists('static/' + f)]
-    _found   = [(f, l[lang]) for f, l in _media_files_map.items() if os.path.exists('static/' + f)]
-    _total   = len(_media_files_map)
-    _upload_hint = {
-        'id': 'Upload file ke folder `static/` di HF Space.',
-        'en': 'Upload files to the `static/` folder in your HF Space.',
-        'hi': '`static/` folder mein files upload karein HF Space par.',
-    }
-    if _missing:
-        _warn_title = {
-            'id': '⚠️ Media belum diupload (' + str(len(_missing)) + '/' + str(_total) + ' hilang)',
-            'en': '⚠️ Media not uploaded (' + str(len(_missing)) + '/' + str(_total) + ' missing)',
-            'hi': '⚠️ Media upload nahi (' + str(len(_missing)) + '/' + str(_total) + ' missing)',
-        }
-        with st.expander(_warn_title.get(lang, _warn_title['id']), expanded=len(_missing) == _total):
-            for fname, name in _missing:
-                st.caption('❌ ' + name)
-            st.caption(_upload_hint.get(lang, _upload_hint['id']))
-        if _found:
-            _partial = {
-                'id': '⏳ ' + str(len(_found)) + '/' + str(_total) + ' media siap',
-                'en': '⏳ ' + str(len(_found)) + '/' + str(_total) + ' media ready',
-                'hi': '⏳ ' + str(len(_found)) + '/' + str(_total) + ' media taiyaar',
-            }
-            st.caption(_partial.get(lang, _partial['id']))
-    else:
-        _all_ok = {
-            'id': '✅ Semua ' + str(_total) + ' file media ditemukan — GIF & musik siap!',
-            'en': '✅ All ' + str(_total) + ' media files found — GIFs & music ready!',
-            'hi': '✅ Sabhi ' + str(_total) + ' media files mile — GIF & sangeet taiyaar!',
-        }
-        st.caption(_all_ok.get(lang, _all_ok['id']))
-    st.markdown("---")
-
-    # API key status
+    # 2. API key status + live LLM status indicator
     openrouter_key = st.session_state.openrouter_key
     groq_key       = st.session_state.groq_key
     st.caption("🔑 **OpenRouter:** " + ('✅' if openrouter_key else '❌') + "  **Groq:** " + ('✅' if groq_key else '❌'))
     if not any([openrouter_key, groq_key]):
         st.warning("⚠️ Tidak ada API key. Tambahkan OPENROUTER_API_KEY / GROQ_API_KEY di HF Secrets.")
 
+    # Live status placeholder — updated by _set_status() during LLM calls
     _llm_ph = st.empty()
     st.session_state['_llm_ph'] = _llm_ph
     if st.session_state.get('llm_status'):
@@ -716,7 +665,7 @@ with st.sidebar:
             pass
     st.markdown("---")
 
-    # API Tracker
+    # 3. API Tracker
     st.markdown("### 📡 API Tracker")
     _active_status = st.session_state.get('llm_status', '')
     if _active_status:
@@ -737,7 +686,7 @@ with st.sidebar:
         st.rerun()
     st.markdown("---")
 
-    # Stack + footer
+    # 4. Stack + footer
     st.markdown(T('sidebar_stack', lang))
     stack_items = {
         'id': "- 🤖 XGBoost + LightGBM + RF\n- 🔍 SHAP Eksplainabilitas\n- 💬 Narasi AI (OpenRouter + Groq)\n- 🤖 Maya AI Chat + Tool Calling\n- 🧠 Chain-of-Thought + Few-shot\n- 💾 Memory Summarization\n- 🌍 ID / EN / HI",
@@ -803,8 +752,7 @@ _defaults = dict(
     wi_dig=None, wi_biz=None, wi_emp=None,
     wi_cash=None, wi_dur=None, wi_loan=None,
     chat_summary='', memory_loaded=False,
-    gif_muted=False, llm_status='', api_log=[],
-    _last_muted_sent=None,
+    llm_status='', api_log=[],
 )
 for k, v in _defaults.items():
     if k not in st.session_state:
@@ -851,6 +799,7 @@ def shap_summary(vals, names, n=5):
     ])
 
 def make_shap_png(shap_vals, feature_names):
+    """Returns base64 data URI string."""
     sv    = np.array(shap_vals)
     names = list(feature_names)
     n     = min(12, len(sv))
@@ -872,7 +821,7 @@ def make_shap_png(shap_vals, feature_names):
     return 'data:image/png;base64,' + b64
 
 # ============================================================
-# LLM HELPERS — Narrative
+# LLM HELPERS — Narrative cascade
 # ============================================================
 _OR_FREE_MODELS = [
     "google/gemini-2.0-flash-exp:free",
@@ -920,11 +869,13 @@ def call_openrouter(messages, api_key, model=None):
         except requests.exceptions.Timeout:
             ms = int((_time.time() - t0) * 1000)
             last_error = "Timeout (" + m + ")"
-            _log_api("Narasi", m.split('/')[-1].replace(':free',''), False, ms)
+            short = m.split('/')[-1].replace(':free','')
+            _log_api("Narasi", "OR/" + short, False, ms)
         except Exception as e:
             ms = int((_time.time() - t0) * 1000)
             last_error = m + ": " + str(e)[:100]
-            _log_api("Narasi", m.split('/')[-1].replace(':free',''), False, ms)
+            short = m.split('/')[-1].replace(':free','')
+            _log_api("Narasi", "OR/" + short, False, ms)
     return None, last_error
 
 def call_groq(messages, api_key):
@@ -960,17 +911,20 @@ def call_groq(messages, api_key):
     return None, last_error
 
 def _call_llm(messages):
+    """Narrative LLM: OpenRouter free → Groq free → None."""
     _or  = st.session_state.get("openrouter_key", "")
     _grq = st.session_state.get("groq_key", "")
     last_err = None
     if _or:
         r, last_err = call_openrouter(messages, _or)
         if r:
-            return r, 'OpenRouter', None
+            model_used = _OR_FREE_MODELS[0].split("/")[-1].replace(":free","")
+            return r, 'OpenRouter (' + model_used + ')', None
     if _grq:
         r, last_err = call_groq(messages, _grq)
         if r:
-            return r, 'Groq', None
+            model_used = _GROQ_FREE_MODELS[0]
+            return r, 'Groq (' + model_used + ')', None
     return None, None, last_err or "No API key configured"
 
 # ============================================================
@@ -1112,7 +1066,7 @@ def _get_top_issue(raw_input, pd_pct, lang):
     if not npwp:
         return _t("prioritas utama: **urus NPWP** dulu di pajak.go.id","top priority: **register NPWP** at pajak.go.id","mukhya prathamikta: **NPWP register karein** pajak.go.id par")
     elif dig < 40:
-        return _t("**digital score " + str(dig) + "/100** adalah area paling kritis","**digital score " + str(dig) + "/100** is the most critical area","**digital score " + str(dig) + "/100** sabse mahatvapurn kshetra hai")
+        return _t("**digital score " + str(dig) + "/100** adalah area paling kritis untuk ditingkatkan","**digital score " + str(dig) + "/100** is the most critical area to improve","**digital score " + str(dig) + "/100** sabse mahatvapurn sudhaar kshetra hai")
     elif cf < 10e6:
         return _t("**cash flow Rp " + str(int(cf/1e6)) + "jt/bln** perlu dioptimalkan","**cash flow Rp " + str(int(cf/1e6)) + "M/month** needs optimization","**naqad pravaah Rp " + str(int(cf/1e6)) + "M/maah** optimize zaroori hai")
     elif biz < 2:
@@ -1120,7 +1074,7 @@ def _get_top_issue(raw_input, pd_pct, lang):
     elif pd_pct < 20:
         return _t("profil kamu sudah sangat bagus!","your profile is already excellent!","aapka parichay pehle se behtareen hai!")
     else:
-        return _t("beberapa area bisa diperbaiki!","several areas can be improved!","kai kshetra sudhaare jaa sakte hain!")
+        return _t("beberapa area bisa diperbaiki — tanya aku lebih spesifik!","several areas can be improved — ask me specifically!","kai kshetra sudhaare jaa sakte hain — vishesh roop se puchein!")
 
 # ============================================================
 # AI CHAT — Maya persona
@@ -1190,20 +1144,28 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
         "- Pinjaman: Rp " + str(int(raw_input.get('loan_rp',50e6)/1e6)) + "M | Tenor: " + str(raw_input.get('duration',24)) + " bulan\n"
         "- Riwayat Kredit: " + str(raw_input.get('credit_history')) + "\n\n"
         "FAKTOR RISIKO UTAMA (SHAP):\n" + factors + "\n"
-        + context + summary_block + cot_block + fewshot
-        + "ATURAN MENJAWAB:\n"
-        "1. Jawab BEBAS — tidak harus soal kredit.\n"
+        + context
+        + summary_block
+        + cot_block
+        + fewshot
+        + "ATURAN MENJAWAB — BACA SEMUA DENGAN SEKSAMA:\n"
+        "1. Jawab BEBAS — tidak harus soal kredit. Kalau ditanya soal diri sendiri, perkenalkan sebagai Maya.\n"
         "2. Kalau relevan, selalu hubungkan ke data pemohon dengan menyebut angka aktualnya.\n"
         "3. Berikan saran KONKRET dan SPESIFIK, bukan generik.\n"
         "4. Maksimal 150 kata kecuali diminta lebih panjang.\n"
-        "5. FORMAT TAG [ADJUST:] — embed langsung di akhir kalimat saran:\n"
-        "   BENAR: 'Coba naikkan digital score ke 75 [ADJUST: digital_presence_score=75] — dampaknya paling besar.'\n"
-        "   SALAH: Tulis tag di baris sendiri / JSON object {...}\n"
-        "   Field valid: digital_presence_score(1-100), business_age_years(1-20),\n"
+        "5. FORMAT TAG [ADJUST:] — WAJIB IKUTI ATURAN INI:\n"
+        "   BENAR: Embed tag langsung di akhir kalimat saran:\n"
+        "      'Coba naikkan digital score ke 75 [ADJUST: digital_presence_score=75] — dampaknya paling besar.'\n"
+        "   SALAH: Menulis kalimat saran TANPA tag, lalu menambah baris terpisah\n"
+        "   SALAH: Menulis tag di baris sendiri di akhir response\n"
+        "   SALAH BESAR: Menulis ulang rekomendasi di baris terpisah setelah selesai\n"
+        "   RULE: Setiap rekomendasi bernilai angka = SATU kalimat + SATU tag [ADJUST:] inline. TIDAK LEBIH.\n"
+        "   RULE: JANGAN pernah tulis JSON object {...} di response.\n"
+        "   RULE: Field valid: digital_presence_score(1-100), business_age_years(1-20),\n"
         "         num_employees(1-50), monthly_cash_flow(angka Rp), duration(4-72), loan_rp(angka Rp)\n"
         "6. JANGAN pernah balik ke template. Jawab seperti manusia cerdas.\n"
         "7. Baca context percakapan sebelumnya sebelum menjawab — jaga konsistensi topik.\n"
-        "8. AKHIRI response dengan kalimat lengkap.\n"
+        "8. AKHIRI response dengan kalimat lengkap. Jangan tambahkan apapun setelah kalimat terakhir.\n"
     )
 
     messages = [{"role": "system", "content": system}]
@@ -1229,26 +1191,94 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
 
         if any(w in low for w in ['siapa','kamu','km','who are you','nama','you are','maya','halo','hai','hei','hello','hi','perkenalan']):
             response = _t(
-                "Hei! Aku **Maya**, AI Credit Advisor kamu Skor PD kamu sekarang **" + str(round(pd_pct,1)) + "%** — " + ('sudah bagus banget!' if pd_pct < 20 else 'masih ada ruang untuk diperbaiki.') + " Ada yang mau ditanyain?",
-                "Hey! I'm **Maya**, your AI Credit Advisor. Your PD score is **" + str(round(pd_pct,1)) + "%** — " + ('looking great!' if pd_pct < 20 else 'there is room to improve.') + " Anything you want to ask?",
-                "Namaste! Main **Maya** hoon. Aapka PD score **" + str(round(pd_pct,1)) + "%** hai — " + ('bahut badhiya!' if pd_pct < 20 else 'sudhaar ki gunjaish hai.') + " Kuch poochna hai?"
+                "Hei! Aku **Maya**, AI Credit Advisor kamu Aku dirancang untuk bantu kamu pahami skor kredit dan strategi bisnis UMKM. "
+                "Skor PD kamu sekarang **" + str(round(pd_pct,1)) + "%** — " + ('sudah bagus banget!' if pd_pct < 20 else 'masih ada ruang untuk diperbaiki.') + " "
+                "Mau aku jelasin lebih detail atau ada yang mau ditanyain?",
+                "Hey! I'm **Maya**, your AI Credit Advisor. I help you understand your credit score and SME business strategy. "
+                "Your PD score is **" + str(round(pd_pct,1)) + "%** — " + ('looking great!' if pd_pct < 20 else 'there is room to improve.') + " "
+                "Anything you want to ask?",
+                "Namaste! Main **Maya** hoon, aapki AI Credit Advisor. "
+                "Aapka PD score **" + str(round(pd_pct,1)) + "%** hai — " + ('bahut badhiya!' if pd_pct < 20 else 'sudhaar ki gunjaish hai.') + " "
+                "Kuch poochna hai?"
+            )
+
+        elif any(w in low for w in ['cuan','profit','untung','laba','cepet cuan','penghasilan cepat','cara cepet','duit cepet']):
+            response = _t(
+                "Cuan cepet? Sah-sah aja! Tapi di kredit, yang bikin bank percaya bukan seberapa cepat, tapi **konsistensi**. "
+                "Dari profil kamu (cash flow Rp " + str(int(cf/1e6)) + "jt/bln, digital " + str(dig) + "/100):\n\n"
+                "1. **Aktifin marketplace** → cash flow naik [ADJUST: monthly_cash_flow=25000000]\n"
+                "2. **Google Business aktif** → digital score naik [ADJUST: digital_presence_score=75]\n"
+                "3. **Dokumentasikan semua pemasukan** — pisah rekening bisnis & pribadi",
+                "Quick profit? Totally valid! But in credit, **consistency** matters more. "
+                "From your profile (CF Rp " + str(int(cf/1e6)) + "M/mo, digital " + str(dig) + "/100):\n\n"
+                "1. Active marketplace → CF up [ADJUST: monthly_cash_flow=25000000]\n"
+                "2. Google Business → digital up [ADJUST: digital_presence_score=75]\n"
+                "3. Document all income streams",
+                "Jaldi munafa? **Niyamitata** zaroori hai.\n"
+                "1) Marketplace active karein [ADJUST: monthly_cash_flow=25000000] "
+                "2) Google Business [ADJUST: digital_presence_score=75] 3) Aay document karein"
             )
-        elif any(w in low for w in ['improve','better','lower','reduce','tingkatkan','kurangi','turunkan','cara','gimana','bagaimana','naik','turun','naikkan','optimalkan']):
+            adjustments['digital_presence_score'] = 75
+            adjustments['monthly_cash_flow'] = 25000000
+
+        elif any(w in low for w in ['improve','better','lower','reduce','tingkatkan','kurangi','turunkan','cara','gimana','bagaimana','naik','turun','meningkat','naikkan','optimalkan']):
             tips = []
             if not npwp:
-                tips.append(_t("1. **Urus NPWP** — daftar di pajak.go.id","1. **Register NPWP** — apply at pajak.go.id","1. **NPWP register karein** — pajak.go.id par"))
+                tips.append(_t("1. **Urus NPWP** — wajib untuk pinjaman formal, daftar di pajak.go.id",
+                               "1. **Register NPWP** — required for formal loans, apply at pajak.go.id",
+                               "1. **NPWP register karein** — aupchaarik rin ke liye zaroori"))
+                adjustments['has_npwp'] = 1
             if dig < 75:
                 n = '2' if not npwp else '1'
-                tips.append(_t(n + ". **Naikkan Digital Score dari " + str(dig) + " ke 75+**",n + ". **Raise Digital Score from " + str(dig) + " to 75+**",n + ". **Digital Score " + str(dig) + " se 75+ karein**"))
+                tips.append(_t(n + ". **Naikkan Digital Score dari " + str(dig) + " ke 75+** — aktif di Google Business, Tokopedia/Shopee",
+                               n + ". **Raise Digital Score from " + str(dig) + " to 75+** — Google Business, marketplace",
+                               n + ". **Digital Score " + str(dig) + " se 75+ karein** — Google Business, marketplace"))
                 adjustments['digital_presence_score'] = 75
             if cf < 25e6:
                 n = str(len(tips) + 1)
-                tips.append(_t(n + ". **Optimalkan cash flow dari Rp " + str(int(cf/1e6)) + "jt ke 25jt+/bln**",n + ". **Grow cash flow from Rp " + str(int(cf/1e6)) + "M to 25M+/month**",n + ". **Naqad pravaah Rp " + str(int(cf/1e6)) + "M se 25M+ karein**"))
+                tips.append(_t(n + ". **Optimalkan cash flow dari Rp " + str(int(cf/1e6)) + "jt ke 25jt+/bln** — diversifikasi produk",
+                               n + ". **Grow cash flow from Rp " + str(int(cf/1e6)) + "M to 25M+/month**",
+                               n + ". **Naqad pravaah Rp " + str(int(cf/1e6)) + "M se 25M+ karein**"))
                 adjustments['monthly_cash_flow'] = 25000000
             if not tips:
-                tips.append(_t("Profil kamu sudah solid dengan PD " + str(round(pd_pct,1)) + "%!","Your profile is solid at PD " + str(round(pd_pct,1)) + "%!","Aapka parichay PD " + str(round(pd_pct,1)) + "% ke saath mazboot hai!"))
-            response = (_t("Untuk turunkan PD dari **" + str(round(pd_pct,1)) + "%**, fokus ke:\n\n","To lower PD from **" + str(round(pd_pct,1)) + "%**, focus on:\n\n","PD **" + str(round(pd_pct,1)) + "%** kam karne ke liye:\n\n") + '\n'.join(tips[:3]))
-        elif any(w in low for w in ['pinjaman','loan','kredit','berapa','ideal','rekomendasi pinjaman']):
+                tips.append(_t("Profil kamu sudah solid dengan PD " + str(round(pd_pct,1)) + "%! Coba simulasikan di tab What-If.",
+                               "Your profile is solid at PD " + str(round(pd_pct,1)) + "%! Try the What-If tab.",
+                               "Aapka parichay PD " + str(round(pd_pct,1)) + "% ke saath mazboot hai!"))
+            response = (
+                _t("Untuk turunkan PD dari **" + str(round(pd_pct,1)) + "%**, fokus ke:\n\n",
+                   "To lower PD from **" + str(round(pd_pct,1)) + "%**, focus on:\n\n",
+                   "PD **" + str(round(pd_pct,1)) + "%** kam karne ke liye:\n\n")
+                + '\n'.join(tips[:3])
+            )
+
+        elif any(w in low for w in ['why','kenapa','mengapa','factor','faktor','shap','pengaruh','driver','apa yang','jelasin','jelaskan','explain','definisi']):
+            ti  = int(np.argsort(np.abs(shap_vals))[-1])
+            ti2 = int(np.argsort(np.abs(shap_vals))[-2])
+            fn  = feature_names[ti]
+            if 'business_age' in fn:
+                analogi = _t(" — ibarat pengalaman kerja, makin lama makin dipercaya"," — like work experience, longer = more trustworthy"," — kaam ke anubhav ki tarah, zyada = zyada bharosemand")
+            elif 'cash_flow' in fn:
+                analogi = _t(" — ibarat gaji bulanan kamu, makin besar makin mudah bayar cicilan"," — like your monthly income, higher = easier to repay"," — maasik aay ki tarah, zyada = kist bhrna aasaan")
+            elif 'digital' in fn:
+                analogi = _t(" — ibarat 'nilai reputasi online' bisnis kamu di mata bank"," — your business's 'online reputation score' in the bank's eyes"," — bank ki nazar mein vyapaar ka 'online pratishtha score'")
+            else:
+                analogi = ""
+            response = _t(
+                "Dua faktor terbesar yang drive skor PD **" + str(round(pd_pct,1)) + "%** kamu:\n\n"
+                "1. **" + fn + "**" + analogi + "\n   → " + ('meningkatkan' if shap_vals[ti] > 0 else 'menurunkan') + " risiko (SHAP=" + str(round(shap_vals[ti],3)) + ")\n\n"
+                "2. **" + feature_names[ti2] + "**\n   → " + ('meningkatkan' if shap_vals[ti2] > 0 else 'menurunkan') + " risiko (SHAP=" + str(round(shap_vals[ti2],3)) + ")\n\n"
+                + ('Skor bagus! Kedua faktor ini justru mendukung kelayakan kamu.' if pd_pct < 20 else 'Fokus perbaiki faktor pertama dulu — dampaknya paling besar.'),
+                "Two biggest drivers of your PD **" + str(round(pd_pct,1)) + "%**:\n\n"
+                "1. **" + fn + "**" + analogi + "\n   → " + ('increases' if shap_vals[ti] > 0 else 'decreases') + " risk (SHAP=" + str(round(shap_vals[ti],3)) + ")\n\n"
+                "2. **" + feature_names[ti2] + "**\n   → " + ('increases' if shap_vals[ti2] > 0 else 'decreases') + " risk (SHAP=" + str(round(shap_vals[ti2],3)) + ")\n\n"
+                + ('Great score! Both factors support your eligibility.' if pd_pct < 20 else 'Focus on the first factor — it has the biggest impact.'),
+                "Aapke PD **" + str(round(pd_pct,1)) + "%** ke do mukhya kaarak:\n\n"
+                "1. **" + fn + "**" + analogi + "\n   → " + ('badhata' if shap_vals[ti] > 0 else 'ghataata') + " jokhim (SHAP=" + str(round(shap_vals[ti],3)) + ")\n\n"
+                "2. **" + feature_names[ti2] + "**\n   → " + ('badhata' if shap_vals[ti2] > 0 else 'ghataata') + " jokhim (SHAP=" + str(round(shap_vals[ti2],3)) + ")\n\n"
+                + ('Badhiya score! Dono kaarak yogyata ka samarthan karte hain.' if pd_pct < 20 else 'Pehle pehle kaarak sudhaarein — sabse bada prabhav.')
+            )
+
+        elif any(w in low for w in ['pinjaman','loan','kredit','berapa','amount','besar','limit','ideal','rekomendasi pinjaman']):
             if cf > 0:
                 dur_val = raw_input.get('duration', 24)
                 safe    = cf * dur_val * 0.35
@@ -1256,28 +1286,113 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
                 if cur > safe:
                     adjustments['loan_rp'] = safe
                 response = _t(
-                    "Cash flow kamu **Rp " + str(int(cf/1e6)) + "jt/bulan**, tenor " + str(int(dur_val)) + " bulan → pinjaman ideal max **Rp " + str(int(safe/1e6)) + "jt** (rasio 35%). Kamu sekarang Rp " + str(int(cur/1e6)) + "jt — " + ('aman!' if cur <= safe else 'melebihi batas aman!'),
-                    "Cash flow **Rp " + str(int(cf/1e6)) + "M/month**, " + str(int(dur_val)) + " months → ideal loan max **Rp " + str(int(safe/1e6)) + "M** (35% ratio). Current Rp " + str(int(cur/1e6)) + "M — " + ('safe!' if cur <= safe else 'exceeds safe limit!'),
-                    "Naqad pravaah **Rp " + str(int(cf/1e6)) + "M/maah**, " + str(int(dur_val)) + " maah → adhiktam rin **Rp " + str(int(safe/1e6)) + "M** (35%). Vartamaan Rp " + str(int(cur/1e6)) + "M — " + ('surakshit!' if cur <= safe else 'seema se adhik!')
+                    "Berdasarkan cash flow kamu **Rp " + str(int(cf/1e6)) + "jt/bulan** dan tenor " + str(int(dur_val)) + " bulan, "
+                    "pinjaman ideal maksimal **Rp " + str(int(safe/1e6)) + "jt** (rasio cicilan 35%).\n\n"
+                    "Pinjaman kamu sekarang Rp " + str(int(cur/1e6)) + "jt — "
+                    + ('masih aman, good job!' if cur <= safe else 'melebihi batas aman. Pertimbangkan kurangi ke Rp ' + str(int(safe/1e6)) + 'jt atau perpanjang tenor.'),
+                    "Based on your cash flow **Rp " + str(int(cf/1e6)) + "M/month** and " + str(int(dur_val)) + "-month tenure, "
+                    "ideal loan is max **Rp " + str(int(safe/1e6)) + "M** (35% installment ratio).\n\n"
+                    "Current loan Rp " + str(int(cur/1e6)) + "M — "
+                    + ('within safe limits, good job!' if cur <= safe else 'exceeds safe limit. Consider reducing to Rp ' + str(int(safe/1e6)) + 'M.'),
+                    "Aapke naqad pravaah **Rp " + str(int(cf/1e6)) + "M/maah** aur " + str(int(dur_val)) + " maah ke aadhaar par "
+                    "adhiktam rin **Rp " + str(int(safe/1e6)) + "M** (35% kist anupaat).\n\n"
+                    "Vartamaan rin Rp " + str(int(cur/1e6)) + "M — " + ('surakshit!' if cur <= safe else 'seema se adhik.')
                 )
             else:
-                response = _t("Isi cash flow bulanan di form dulu ya!","Fill in your monthly cash flow first!","Pehle maasik naqad pravaah bharein!")
-        elif any(w in low for w in ['tips','bisnis','digital','marketplace','online','strategi']):
+                response = _t("Isi cash flow bulanan di form dulu ya, biar aku bisa kasih rekomendasi akurat!",
+                              "Fill in your monthly cash flow first for an accurate recommendation!",
+                              "Sahi sujhaav ke liye pehle maasik naqad pravaah bharein!")
+
+        elif any(w in low for w in ['tabungan','saving','nabung','menabung','savings','uang','keuangan','finance','financial','simpan']):
             response = _t(
-                "Tips bisnis UMKM buat kamu (PD " + str(round(pd_pct,1)) + "%):\n\n1. **Google Business Profile** — daftar gratis!\n2. **Aktif di marketplace** — Tokopedia/Shopee (digital score kamu " + str(dig) + "/100)\n3. **Pisah rekening** bisnis & pribadi\n4. **NPWP & SIUP** — buka akses KUR",
-                "SME tips (PD " + str(round(pd_pct,1)) + "%):\n\n1. **Google Business Profile** — register free!\n2. **Active marketplace** — Tokopedia/Shopee (digital " + str(dig) + "/100)\n3. **Separate bank account** for business\n4. **NPWP & SIUP** — unlock KUR access",
-                "SME tips (PD " + str(round(pd_pct,1)) + "%):\n\n1. **Google Business Profile** — muft register!\n2. **Marketplace active** (digital " + str(dig) + "/100)\n3. **Alag khaata** vyapaar ke liye\n4. **NPWP & SIUP** — KUR unlock"
+                "Soal tabungan dan cash flow kamu (saat ini **Rp " + str(int(cf/1e6)) + "jt/bln**):\n\n"
+                "3 cara praktis tingkatkan tabungan UMKM:\n"
+                "1. Pisahkan rekening bisnis & pribadi — biar tidak tercampur\n"
+                "2. Sisihkan minimal 10-15% dari omzet setiap bulan secara otomatis\n"
+                "3. Dokumentasikan semua pemasukan — ini juga naikkan digital score!\n\n"
+                "Tabungan naik → cash flow lebih sehat → PD turun",
+                "About savings and your cash flow (currently **Rp " + str(int(cf/1e6)) + "M/month**):\n\n"
+                "3 practical SME savings tips:\n"
+                "1. Separate business & personal bank accounts\n"
+                "2. Auto-transfer 10-15% of monthly revenue to savings\n"
+                "3. Document all income streams — this also boosts digital score!\n\n"
+                "More savings → healthier cash flow → lower PD",
+                "Bachat aur naqad pravaah (**Rp " + str(int(cf/1e6)) + "M/maah**) ke baare mein:\n\n"
+                "3 vyaavhaarik tarike:\n"
+                "1. Vyapaar aur vyaktigat khaate alag rakhein\n"
+                "2. Maasik aay ka 10-15% bachaen\n"
+                "3. Sabhi aay document karein — digital score bhi badhega!\n\n"
+                "Zyada bachat → swasth naqad pravaah → PD kam"
+            )
+            adjustments['monthly_cash_flow'] = int(cf * 1.3)
+
+        elif any(w in low for w in ['riwayat kredit','credit history','kredit history','credit record','riwayat','history kredit']):
+            ch_val = raw_input.get('credit_history', '-')
+            response = _t(
+                "**Riwayat kredit** = catatan sejarah bayar utangmu — ibarat rapor keuangan.\n\n"
+                "Status kamu: **" + ch_val + "**\n\n"
+                "Dampak ke skor kredit:\n"
+                "- All paid / Existing paid → sinyal positif\n"
+                "- Delayed previously → bank waspada\n"
+                "- Critical → risiko naik signifikan\n\n"
+                "Cara bangun riwayat bagus: bayar cicilan tepat waktu, jangan ambil pinjaman melebihi kemampuan bayar.",
+                "**Credit history** = your track record of paying debts — your financial report card.\n\n"
+                "Your status: **" + ch_val + "**\n\n"
+                "Score impact:\n"
+                "- All paid / Existing paid → positive signal\n"
+                "- Delayed previously → bank is cautious\n"
+                "- Critical → significant risk increase\n\n"
+                "Build good history: pay on time, don't borrow beyond your repayment capacity.",
+                "**Credit itihaas** = karz bhugtaan ka record — vitteey report card.\n\n"
+                "Aapki sthiti: **" + ch_val + "**\n\n"
+                "Score prabhav:\n"
+                "- All paid / Existing paid → sakaraatmak sanket\n"
+                "- Delayed previously → bank saavdhan\n"
+                "- Critical → jokhim zyada\n\n"
+                "Samay par bhugtaan karein, kshamta se adhik rin na lein."
+            )
+
+        elif any(w in low for w in ['tips','bisnis','usaha','umkm','sme','digital','marketplace','online','ecommerce','strategi','business tips']):
+            response = _t(
+                "Tips bisnis UMKM buat kamu (PD " + str(round(pd_pct,1)) + "%):\n\n"
+                "1. **Digital hadir** — daftar Google Business Profile, aktif di Tokopedia/Shopee/TikTok Shop\n"
+                "   (Digital score kamu " + str(dig) + "/100 — masih bisa naik!)\n"
+                "2. **Pisah keuangan** — rekening bisnis terpisah dari pribadi\n"
+                "3. **Dokumentasi rutin** — catat semua transaksi, ini bukti ke bank\n"
+                "4. **Legalitas** — NPWP & SIUP/NIB buka akses ke KUR & kredit formal\n\n"
+                "Mau aku simulasikan dampaknya ke skor di tab What-If?",
+                "SME business tips for you (PD " + str(round(pd_pct,1)) + "%):\n\n"
+                "1. **Go digital** — Google Business Profile, Tokopedia/Shopee/TikTok Shop\n"
+                "   (Your digital score " + str(dig) + "/100 — room to improve!)\n"
+                "2. **Separate finances** — dedicated business bank account\n"
+                "3. **Document everything** — track all transactions as proof for banks\n"
+                "4. **Get legal** — NPWP & SIUP/NIB unlock KUR & formal credit\n\n"
+                "Want me to simulate the impact in the What-If tab?",
+                "SME vyapaar tips (PD " + str(round(pd_pct,1)) + "%):\n\n"
+                "1. **Digital upasthiti** — Google Business Profile, Tokopedia/Shopee\n"
+                "   (Aapka digital score " + str(dig) + "/100 — sudhaar ki gunjaish!)\n"
+                "2. **Alag vitteey khaata** — vyapaar ka alag bank khaata\n"
+                "3. **Sab document karein** — sabhi laanden-denden ka record\n"
+                "4. **Kanooni rahein** — NPWP & SIUP/NIB KUR unlock karta hai\n\n"
+                "Kya main What-If tab mein prabhav simulate karun?"
             )
             if dig < 75:
                 adjustments['digital_presence_score'] = 75
+
         else:
             top_issue = _get_top_issue(raw_input, pd_pct, lang)
             has_key   = any([st.session_state.get("openrouter_key"), st.session_state.get("groq_key")])
             err_note  = "\n\nLLM error: " + str(_last_error)[:80] if (has_key and _last_error) else ""
             response = _t(
-                "PD kamu **" + str(round(pd_pct,1)) + "%** dan " + top_issue + "\n\nCoba tanya: cara turunkan skor, faktor risiko, pinjaman ideal, atau tips bisnis!" + err_note,
-                "Your PD is **" + str(round(pd_pct,1)) + "%** and " + top_issue + "\n\nTry asking: how to lower score, risk factors, ideal loan, or business tips!" + err_note,
-                "Aapka PD **" + str(round(pd_pct,1)) + "%** hai aur " + top_issue + "\n\nPuchein: score kaise kam karein, jokhim kaarak, ideal rin, ya vyapaar tips!" + err_note
+                "Pertanyaan menarik! Untuk ini aku butuh koneksi AI.\n\n"
+                "Yang bisa aku kasih tahu: PD kamu **" + str(round(pd_pct,1)) + "%** dan " + top_issue + "\n\n"
+                "Coba tanya yang lebih spesifik: cara turunkan skor, faktor risiko, pinjaman ideal, tips tabungan, atau riwayat kredit." + err_note,
+                "Great question! For this I need an AI connection.\n\n"
+                "What I can share: your PD is **" + str(round(pd_pct,1)) + "%** and " + top_issue + "\n\n"
+                "Try asking specifically: how to lower score, risk factors, ideal loan, savings tips, or credit history." + err_note,
+                "Accha sawaal! Iske liye AI connection chahiye.\n\n"
+                "Aapka PD **" + str(round(pd_pct,1)) + "%** hai aur " + top_issue + "\n\n"
+                "Vishesh roop se puchein: score kaise kam karein, jokhim kaarak, ideal rin, bachat tips." + err_note
             )
 
     if response:
@@ -1288,487 +1403,16 @@ CARA BERPIKIR — CHAIN OF THOUGHT (lakukan ini secara SILENT sebelum menjawab):
 
     return response or "...", adjustments, _last_error
 
-# ============================================================
-# FLOATING DRAGGABLE GIF + SOUND  ← FIXED: now actually called
-# ============================================================
-@st.cache_resource(show_spinner=False)
-def _load_media_b64():
-    def _b64(path, mime):
-        try:
-            with open(path, 'rb') as f:
-                data = base64.b64encode(f.read()).decode()
-            return "data:" + mime + ";base64," + data
-        except Exception:
-            return ""
-    return {
-        'crying_cat': _b64('static/crying_cat.gif','image/gif'),
-        'dance1':     _b64('static/dance1.gif','image/gif'),
-        'dance2':     _b64('static/dance2.gif','image/gif'),
-        'dance3':     _b64('static/dance3.gif','image/gif'),
-        'dance4':     _b64('static/dance4.gif','image/gif'),
-        'dance5':     _b64('static/dance5.gif','image/gif'),
-        'idk':        _b64('static/idk.mp3','audio/mpeg'),
-        'shake':      _b64('static/shake.mp3','audio/mpeg'),
-    }
-
-def inject_media_manager():
-    """
-    Injects floating GIF + audio system into the parent Streamlit page.
-    - Tab 0 (SHAP)    → crying_cat.gif + idk.mp3
-    - Tab 3 (What-If) → dance1-5.gif   + shake.mp3
-    - Other tabs      → hide all GIF, pause audio
-    - GIFs are draggable by user
-    - Roam every 6s
-    - Audio unlocked on first user click (browser autoplay policy)
-    - Mute state synced every render via VOL variable
-    """
-    media = _load_media_b64()
-    has_media = any(media.get(k, '') for k in ['crying_cat', 'dance1'])
-
-    muted    = st.session_state.get('gif_muted', False)
-    vol_frac = 0.0 if muted else 0.35
-    vf_str   = str(vol_frac)
-
-    def _gif(gid, b64):
-        if not b64:
-            return ""
-        return (
-            '<div id="' + gid + '" style="'
-            'display:none;position:fixed;z-index:99999;'
-            'cursor:grab;user-select:none;'
-            'transition:left 1.1s cubic-bezier(.4,0,.2,1),'
-            'top 1.1s cubic-bezier(.4,0,.2,1);'
-            'filter:drop-shadow(0 4px 16px rgba(0,0,0,.6));'
-            'left:80px;top:80px;">'
-            '<img src="' + b64 + '" style="'
-            'width:110px;height:auto;border-radius:14px;display:block;'
-            'pointer-events:none;">'
-            '</div>'
-        )
-
-    g0 = _gif("sme-gif-shap", media.get("crying_cat", ""))
-    g1 = _gif("sme-gif-wi1",  media.get("dance1", ""))
-    g2 = _gif("sme-gif-wi2",  media.get("dance2", ""))
-    g3 = _gif("sme-gif-wi3",  media.get("dance3", ""))
-    g4 = _gif("sme-gif-wi4",  media.get("dance4", ""))
-    g5 = _gif("sme-gif-wi5",  media.get("dance5", ""))
-    sa = media.get("idk",   "")
-    sw = media.get("shake", "")
-
-    dom_str = (g0 + g1 + g2 + g3 + g4 + g5 +
-               '<audio id="sme-aud-shap" loop preload="auto"></audio>' +
-               '<audio id="sme-aud-wi"   loop preload="auto"></audio>')
-    dom_js  = dom_str.replace('\\', '\\\\').replace('`', '\\`').replace('${', '\\${')
-    sa_safe = sa.replace('\\', '\\\\').replace("'", "\\'")
-    sw_safe = sw.replace('\\', '\\\\').replace("'", "\\'")
-    has_js  = 'true' if has_media else 'false'
-
-    js = (
-        "(function(){"
-        "var par=window.parent, pd=par.document;"
-        "var VOL=" + vf_str + ";"
-        "var HAS=" + has_js + ";"
-
-        # ONE-TIME INIT
-        "if(!par._sme){"
-        "par._sme={ct:-1,att:new WeakSet(),rt:null,vol:VOL,dragging:false};"
-
-        # Inject DOM once
-        "if(HAS&&!pd.getElementById('sme-media-root')){"
-        "var r=pd.createElement('div');r.id='sme-media-root';"
-        "r.innerHTML=`" + dom_js + "`;"
-        "var as2=pd.getElementById('sme-aud-shap');"
-        "var aw2=pd.getElementById('sme-aud-wi');"
-        "if(as2)as2.setAttribute('src','" + sa_safe + "');"
-        "if(aw2)aw2.setAttribute('src','" + sw_safe + "');"
-        "pd.body.appendChild(r);"
-        "}"
-
-        # GIF config
-        "var GS=['sme-gif-shap'];"
-        "var GW=['sme-gif-wi1','sme-gif-wi2','sme-gif-wi3','sme-gif-wi4','sme-gif-wi5'];"
-        "var GA=GS.concat(GW);"
-        "var ZN=["
-        "[0.04,0.60],[0.80,0.60],[0.42,0.68],[0.04,0.08],[0.80,0.08],"
-        "[0.04,0.35],[0.80,0.35],[0.24,0.65],[0.62,0.65],[0.24,0.08],"
-        "[0.62,0.08],[0.52,0.60],[0.14,0.48],[0.74,0.48]"
-        "];"
-        "var LZ={};"
-
-        # Occupied positions
-        "par._sme.occ=function(sk){"
-        "var o=[];"
-        "GA.forEach(function(id){"
-        "if(id===sk)return;"
-        "var el=pd.getElementById(id);"
-        "if(!el||el.style.display==='none')return;"
-        "o.push({x:el.offsetLeft,y:el.offsetTop});});"
-        "return o;};"
-
-        # Pick random zone avoiding collisions
-        "par._sme.rz=function(gid,oc){"
-        "var ww=par.innerWidth,wh=par.innerHeight,sz=130;"
-        "var sh=ZN.slice().sort(function(){return Math.random()-0.5;});"
-        "var pv=LZ[gid]!=null?LZ[gid]:-1;"
-        "var ca=sh.filter(function(z,i){return i!==pv;});"
-        "if(!ca.length)ca=sh;"
-        "for(var i=0;i<ca.length;i++){"
-        "var z=ca[i],px=Math.min(z[0]*ww,ww-sz-10),py=Math.min(z[1]*wh,wh-sz-10);"
-        "var ok=true;"
-        "for(var j=0;j<oc.length;j++){"
-        "var dx=px-oc[j].x,dy=py-oc[j].y;"
-        "if(Math.sqrt(dx*dx+dy*dy)<160){ok=false;break;}}"
-        "if(ok){LZ[gid]=ZN.indexOf(z);return{x:px,y:py};}}"
-        "LZ[gid]=ZN.indexOf(ca[0]);"
-        "return{x:Math.min(ca[0][0]*ww,ww-sz-10),"
-        "y:Math.min(ca[0][1]*wh,wh-sz-10)};};"
-
-        # Move one GIF
-        "par._sme.mv=function(gid){"
-        "if(par._sme.dragging)return;"
-        "var el=pd.getElementById(gid);"
-        "if(!el||el.style.display==='none')return;"
-        "var p=par._sme.rz(gid,par._sme.occ(gid));"
-        "el.style.left=p.x+'px';el.style.top=p.y+'px';"
-        "el.style.right='auto';el.style.bottom='auto';};"
-
-        # Play audio
-        "par._sme.pa=function(id){"
-        "var a=pd.getElementById(id);"
-        "if(!a)return;"
-        "a.volume=par._sme.vol;"
-        "var p=a.play();"
-        "if(p&&p.catch){p.catch(function(){"
-        "par._sme.pendingAud=id;});}};"
-
-        # Stop all
-        "par._sme.stop=function(){"
-        "GA.forEach(function(id){"
-        "var el=pd.getElementById(id);if(el)el.style.display='none';});"
-        "['sme-aud-shap','sme-aud-wi'].forEach(function(id){"
-        "var a=pd.getElementById(id);"
-        "if(a){a.pause();a.currentTime=0;}});"
-        "par._sme.pendingAud=null;};"
-
-        # Show SHAP (tab 0)
-        "par._sme.showS=function(){"
-        "par._sme.stop();"
-        "var el=pd.getElementById('sme-gif-shap');if(!el)return;"
-        "var p=par._sme.rz('sme-gif-shap',[]);"
-        "el.style.left=p.x+'px';el.style.top=p.y+'px';"
-        "el.style.right='auto';el.style.bottom='auto';"
-        "el.style.display='block';"
-        "par._sme.pa('sme-aud-shap');};"
-
-        # Show What-If dancers (tab 3)
-        "par._sme.showW=function(){"
-        "par._sme.stop();"
-        "var ww=par.innerWidth,wh=par.innerHeight,sz=110;"
-        "var sp=[0.03,0.22,0.41,0.60,0.79];"
-        "GW.forEach(function(gid,i){"
-        "var el=pd.getElementById(gid);if(!el)return;"
-        "el.style.left=Math.min(sp[i]*ww,ww-sz-10)+'px';"
-        "el.style.top=Math.min(0.68*wh,wh-sz-10)+'px';"
-        "el.style.right='auto';el.style.bottom='auto';"
-        "el.style.display='block';"
-        "LZ[gid]=-1;});"
-        "par._sme.pa('sme-aud-wi');};"
-
-        # Apply tab state
-        "par._sme.apT=function(idx){"
-        "if(idx===par._sme.ct)return;"
-        "par._sme.ct=idx;"
-        "if(idx===0)par._sme.showS();"
-        "else if(idx===3)par._sme.showW();"
-        "else par._sme.stop();};"
-
-        # Get current active tab index
-        "par._sme.tidx=function(){"
-        "var all=pd.querySelectorAll('[data-baseweb=\"tab\"]');"
-        "if(!all||!all.length)all=pd.querySelectorAll('[role=\"tab\"]');"
-        "if(!all||!all.length)return -1;"
-        "for(var i=0;i<all.length;i++){"
-        "if(all[i].getAttribute('aria-selected')==='true')return i;}"
-        "return 0;};"
-
-        # DRAG support
-        "par._sme.initDrag=function(el){"
-        "if(el.dataset.drag)return;"
-        "el.dataset.drag='1';"
-        "var ox,oy,sx,sy;"
-        "el.addEventListener('mousedown',function(e){"
-        "e.preventDefault();"
-        "par._sme.dragging=true;"
-        "el.style.transition='none';"
-        "el.style.cursor='grabbing';"
-        "sx=e.clientX;sy=e.clientY;"
-        "ox=el.offsetLeft;oy=el.offsetTop;"
-        "pd.addEventListener('mousemove',mmv);"
-        "pd.addEventListener('mouseup',mup);});"
-        "function mmv(e){"
-        "var dx=e.clientX-sx,dy=e.clientY-sy;"
-        "el.style.left=(ox+dx)+'px';el.style.top=(oy+dy)+'px';"
-        "el.style.right='auto';el.style.bottom='auto';}"
-        "function mup(){"
-        "par._sme.dragging=false;"
-        "el.style.cursor='grab';"
-        "el.style.transition='left 1.1s cubic-bezier(.4,0,.2,1),"
-        "top 1.1s cubic-bezier(.4,0,.2,1)';"
-        "pd.removeEventListener('mousemove',mmv);"
-        "pd.removeEventListener('mouseup',mup);"
-        "if(par._sme.pendingAud){par._sme.pa(par._sme.pendingAud);par._sme.pendingAud=null;}}"
-        "};"
-
-        # Init drag on all GIFs
-        "GA.forEach(function(id){"
-        "var el=pd.getElementById(id);if(el)par._sme.initDrag(el);});"
-
-        # Audio unlock on first click
-        "if(!par._sme.audioUnlocked){"
-        "par._sme.audioUnlocked=false;"
-        "pd.addEventListener('click',function _unlock(){"
-        "par._sme.audioUnlocked=true;"
-        "pd.removeEventListener('click',_unlock);"
-        "if(par._sme.pendingAud){"
-        "par._sme.pa(par._sme.pendingAud);"
-        "par._sme.pendingAud=null;}},true);}"
-
-        # Roam every 6 seconds
-        "if(par._sme.rt)par.clearInterval(par._sme.rt);"
-        "par._sme.rt=par.setInterval(function(){"
-        "GA.forEach(par._sme.mv);"
-        "},6000);"
-
-        "}"  # END first-time init
-
-        # EVERY RENDER: update volume + re-attach tab clicks
-        "par._sme.vol=VOL;"
-        "['sme-aud-shap','sme-aud-wi'].forEach(function(id){"
-        "var a=pd.getElementById(id);if(a)a.volume=VOL;});"
-
-        # Re-attach drag to any new GIF elements
-        "var GA2=['sme-gif-shap','sme-gif-wi1','sme-gif-wi2','sme-gif-wi3','sme-gif-wi4','sme-gif-wi5'];"
-        "GA2.forEach(function(id){"
-        "var el=pd.getElementById(id);"
-        "if(el&&par._sme.initDrag)par._sme.initDrag(el);});"
-
-        # Re-attach tab click listeners
-        "function addC(){"
-        "var tabs=pd.querySelectorAll('[data-baseweb=\"tab\"]');"
-        "if(!tabs||tabs.length<2)tabs=pd.querySelectorAll('[role=\"tab\"]');"
-        "if(!tabs||tabs.length<2)return false;"
-        "tabs.forEach(function(tab,i){"
-        "if(par._sme.att.has(tab))return;"
-        "par._sme.att.add(tab);"
-        "tab.addEventListener('click',function(){"
-        "par.setTimeout(function(){par._sme.apT(par._sme.tidx());},150);});});"
-        "return true;}"
-
-        "var tr=0,pl=par.setInterval(function(){"
-        "tr++;"
-        "if(addC()){"
-        "var ci=par._sme.tidx();"
-        "if(ci!==par._sme.ct){par._sme.ct=-1;par._sme.apT(ci);}"
-        "par.clearInterval(pl);"
-        "par.setInterval(function(){addC();},2000);}"
-        "if(tr>80)par.clearInterval(pl);"
-        "},150);"
-
-        "})();"
-    )
-
-    html = '<!DOCTYPE html><html><head></head><body><script>' + js + '</script></body></html>'
-    components.html(html, height=1, scrolling=False)
-
-
-# ============================================================
-# HEADER
-# ============================================================
-st.markdown(
-    '<div class="header-wrap">'
-    '<h1>' + T("header_title", lang) + '</h1>'
-    '<p>' + T("header_sub", lang) + '</p>'
-    '<span class="badge b-blue">XGBoost + LightGBM + RF</span>'
-    '<span class="badge b-green">SHAP XAI</span>'
-    '<span class="badge b-yellow">Maya AI Chat</span>'
-    '</div>',
-    unsafe_allow_html=True
-)
-
-# ============================================================
-# FORM
-# ============================================================
-with st.form("credit_form"):
-    st.markdown(T('form_title', lang))
-    col_a, col_b, col_c = st.columns(3)
-
-    with col_a:
-        st.markdown(T('form_loan', lang))
-        loan_rp   = st.number_input(T('f_loan_amt',lang), min_value=1_000_000, max_value=5_000_000_000,
-                                     value=50_000_000, step=1_000_000)
-        lgd_input = st.slider(T('f_lgd',lang), 0.0, 1.0, 0.40, 0.05)
-        duration  = st.slider(T('f_duration',lang), 4, 72, 24)
-        credit_amount = st.number_input(T('f_credit_amt',lang), min_value=100, max_value=20000,
-                                         value=1500, step=100)
-        purpose_sel = st.selectbox(
-            T('f_purpose',lang),
-            PURPOSE_OPTS,
-            format_func=lambda x: PURPOSE_LABELS[x][lang]
-        )
-        age = st.slider(T('f_age',lang), 18, 75, 35)
-
-    with col_b:
-        st.markdown(T('form_financial', lang))
-        checking_sel = st.selectbox(
-            T('f_checking',lang),
-            CHECKING_OPTS,
-            format_func=lambda x: CHECKING_LABELS[x][lang]
-        )
-        savings_sel = st.selectbox(
-            T('f_savings',lang),
-            SAVINGS_OPTS,
-            format_func=lambda x: SAVINGS_LABELS[x][lang]
-        )
-        credit_hist_sel = st.selectbox(
-            T('f_credit_hist',lang),
-            CREDIT_H_OPTS,
-            format_func=lambda x: CREDIT_H_LABELS[x][lang]
-        )
-        employment_sel = st.selectbox(
-            T('f_employment',lang),
-            EMPLOY_OPTS,
-            format_func=lambda x: EMPLOY_LABELS[x][lang]
-        )
-        housing_sel = st.selectbox(
-            T('f_housing',lang),
-            HOUSING_OPTS,
-            format_func=lambda x: HOUSING_LABELS[x][lang]
-        )
-        installment_rate = st.slider(T('f_installment',lang), 1, 4, 2)
-
-    with col_c:
-        st.markdown(T('form_sme', lang))
-        digital_score = st.slider(T('f_digital',lang), 1, 100, 50)
-        has_social    = st.checkbox(T('f_social',lang), value=True)
-        ecomm_volume  = st.number_input(T('f_ecomm',lang), min_value=0, value=5_000_000, step=500_000)
-        has_npwp      = st.checkbox(T('f_npwp',lang),  value=True)
-        has_siup      = st.checkbox(T('f_siup',lang),  value=True)
-        biz_age       = st.slider(T('f_biz_age',lang),  1, 20, 5)
-        cash_flow     = st.number_input(T('f_cashflow',lang), min_value=0, value=15_000_000, step=500_000)
-        num_employees = st.slider(T('f_employees',lang), 1, 50, 5)
-
-    submitted = st.form_submit_button(T('f_submit', lang), use_container_width=True)
-
-# ============================================================
-# PROCESS FORM SUBMISSION
-# ============================================================
-if submitted:
-    raw = {
-        'duration':               duration,
-        'credit_amount':          credit_amount,
-        'installment_commitment': installment_rate,
-        'age':                    age,
-        'checking_status':        checking_sel,
-        'credit_history':         credit_hist_sel,
-        'purpose':                purpose_sel,
-        'savings_status':         savings_sel,
-        'employment':             employment_sel,
-        'housing':                housing_sel,
-        'digital_presence_score': digital_score,
-        'has_social_media':       int(has_social),
-        'ecommerce_volume':       ecomm_volume,
-        'has_npwp':               int(has_npwp),
-        'has_siup':               int(has_siup),
-        'business_age_years':     float(biz_age),
-        'monthly_cash_flow':      float(cash_flow),
-        'num_employees':          num_employees,
-        'loan_rp':                float(loan_rp),
-    }
-    with st.spinner(T('spinner', lang)):
-        X_proc   = preprocess(raw, scaler, feature_names)
-        pd_score = float(ensemble.predict_proba(X_proc)[0][1])
-        result   = risk_result(pd_score, loan_rp, lgd_input)
-
-        try:
-            sv   = explainer.shap_values(X_proc)
-            sv   = sv[1] if isinstance(sv, list) else sv
-            sv   = np.array(sv).flatten()
-        except Exception:
-            sv = np.zeros(len(feature_names))
-
-        narrative, llm_src = get_narrative(sv, feature_names, result, lang, raw)
-
-        st.session_state.result         = result
-        st.session_state.shap_vals      = sv
-        st.session_state.raw_input      = raw
-        st.session_state.narrative      = narrative
-        st.session_state.llm_src        = llm_src
-        st.session_state.narrative_lang = lang
-        st.session_state.shap_png       = make_shap_png(sv, feature_names)
-        # Reset What-If sliders to new values
-        st.session_state.wi_dig  = digital_score
-        st.session_state.wi_biz  = biz_age
-        st.session_state.wi_emp  = num_employees
-        st.session_state.wi_cash = int(cash_flow // 1e6)
-        st.session_state.wi_dur  = duration
-        st.session_state.wi_loan = int(loan_rp // 1e6)
-
-# ============================================================
-# Pull session state → local vars (used by tabs below)
-# ============================================================
-result    = st.session_state.get('result')
-shap_vals = st.session_state.get('shap_vals', np.zeros(len(feature_names) if feature_names else 1))
-raw_input = st.session_state.get('raw_input', {})
-narrative = st.session_state.get('narrative', '')
-llm_src   = st.session_state.get('llm_src', '')
-
-# ============================================================
-# KPI BANNER (only shown after submission)
-# ============================================================
-if result:
-    st.markdown(
-        '<div class="risk-banner ' + result['css'] + '">'
-        + result['cat'][lang] + '</div>',
-        unsafe_allow_html=True
-    )
-    k1, k2, k3, k4 = st.columns(4)
-    with k1:
-        st.markdown(
-            '<div class="kpi-box">'
-            '<div class="kpi-lbl">' + T('kpi_pd', lang) + '</div>'
-            '<div class="kpi-val">' + str(round(result['pd']*100,1)) + '%</div>'
-            '<div class="kpi-sub">' + T('kpi_pd_sub', lang) + '</div>'
-            '</div>', unsafe_allow_html=True
-        )
-    with k2:
-        st.markdown(
-            '<div class="kpi-box">'
-            '<div class="kpi-lbl">' + T('kpi_el', lang) + '</div>'
-            '<div class="kpi-val">Rp ' + str(round(result['el']/1e6,1)) + 'jt</div>'
-            '<div class="kpi-sub">' + T('kpi_el_sub', lang) + '</div>'
-            '</div>', unsafe_allow_html=True
-        )
-    with k3:
-        st.markdown(
-            '<div class="kpi-box">'
-            '<div class="kpi-lbl">' + T('kpi_lgd', lang) + '</div>'
-            '<div class="kpi-val">' + str(int(result['lgd']*100)) + '%</div>'
-            '<div class="kpi-sub">' + T('kpi_lgd_sub', lang) + '</div>'
-            '</div>', unsafe_allow_html=True
-        )
-    with k4:
-        st.markdown(
-            '<div class="kpi-box">'
-            '<div class="kpi-lbl">' + T('kpi_ead', lang) + '</div>'
-            '<div class="kpi-val">Rp ' + str(int(result['ead']/1e6)) + 'jt</div>'
-            '<div class="kpi-sub">' + T('kpi_ead_sub', lang) + '</div>'
-            '</div>', unsafe_allow_html=True
-        )
-    st.markdown("<br>", unsafe_allow_html=True)
-
 # ============================================================
 # TAB LOADING PROGRESS
 # ============================================================
+def _tab_step(n):
+    try:
+        pct = int(n / 5 * 100)
+        _tab_prog_ph.progress(pct, text=_tls[n])
+    except Exception:
+        pass
+
 _tab_load_steps = {
     'id': ['🔍 Menyiapkan SHAP...', '💬 Menyiapkan Narasi AI...', '🤖 Menyiapkan Chat...',
            '🎮 Menyiapkan What-If...', '📐 Menyiapkan Formula...', '✅ Semua tab siap!'],
@@ -1780,13 +1424,6 @@ _tab_load_steps = {
 _tls = _tab_load_steps.get(lang, _tab_load_steps['id'])
 _tab_prog_ph = st.empty()
 
-def _tab_step(n):
-    try:
-        pct = int(n / 5 * 100)
-        _tab_prog_ph.progress(pct, text=_tls[n])
-    except Exception:
-        pass
-
 _tab_step(0)
 
 # ============================================================
@@ -1801,64 +1438,54 @@ t1, t2, t3, t4, t5 = st.tabs([
 with t1:
     _tab_step(0)
     st.markdown('<div class="sec-title">' + T("shap_title",lang) + '</div>', unsafe_allow_html=True)
-
-    if result is None:
-        st.info("⬆️ " + {'id':'Submit form di atas untuk melihat analisis SHAP.',
-                          'en':'Submit the form above to see SHAP analysis.',
-                          'hi':'SHAP vishleshan dekhne ke liye upar form submit karein.'}[lang])
+    _shap_all_zero = (shap_vals is not None and np.all(shap_vals == 0))
+    if _shap_all_zero:
+        st.warning(
+            "⚠️ **SHAP tidak tersedia** — model XGBoost (`xgb_model.pkl`) mungkin belum di-upload atau "
+            "tidak kompatibel dengan SHAP TreeExplainer. "
+            "Pastikan `model/xgb_model.pkl` ada di HF Space dan di-train ulang jika perlu.\n\n"
+            "Skor PD dan narasi tetap valid (menggunakan ensemble model)."
+        )
     else:
-        _shap_all_zero = np.all(shap_vals == 0)
-        if _shap_all_zero:
-            st.warning(
-                "⚠️ **SHAP tidak tersedia** — pastikan `model/xgb_model.pkl` ada di HF Space.\n\n"
-                "Skor PD dan narasi tetap valid (menggunakan ensemble model)."
-            )
-        else:
-            if st.session_state.get("shap_png"):
-                _spng = st.session_state.shap_png
-                if isinstance(_spng, str) and _spng.startswith('data:'):
-                    st.markdown('<img src="' + _spng + '" style="width:100%;border-radius:8px;">', unsafe_allow_html=True)
-                elif _spng:
-                    st.image(_spng, use_container_width=True)
-            st.caption(T('shap_caption', lang))
-            top_idx = np.argsort(np.abs(shap_vals))[-10:][::-1]
-            st.dataframe(pd.DataFrame({
-                T('shap_col_feature',lang): [feature_names[i] for i in top_idx],
-                'SHAP':                     [round(shap_vals[i],4) for i in top_idx],
-                T('shap_col_impact',lang):  [
-                    T('shap_risk_up',lang) if shap_vals[i] > 0 else T('shap_risk_down',lang)
-                    for i in top_idx
-                ],
-            }), use_container_width=True, hide_index=True)
+        if st.session_state.get("shap_png"):
+            _spng = st.session_state.shap_png
+            if isinstance(_spng, str) and _spng.startswith('data:'):
+                st.markdown('<img src="' + _spng + '" style="width:100%;border-radius:8px;">', unsafe_allow_html=True)
+            elif _spng:
+                st.image(_spng, use_container_width=True)
+        st.caption(T('shap_caption', lang))
+        top_idx = np.argsort(np.abs(shap_vals))[-10:][::-1]
+        st.dataframe(pd.DataFrame({
+            T('shap_col_feature',lang): [feature_names[i] for i in top_idx],
+            'SHAP':                     [round(shap_vals[i],4) for i in top_idx],
+            T('shap_col_impact',lang):  [
+                T('shap_risk_up',lang) if shap_vals[i] > 0 else T('shap_risk_down',lang)
+                for i in top_idx
+            ],
+        }), use_container_width=True, hide_index=True)
 
 # ── TAB 2: NARRATIVE ─────────────────────────────────────────
 with t2:
     _tab_step(1)
     flag = {'id':'🇮🇩','en':'🇬🇧','hi':'🇮🇳'}[lang]
     st.markdown('<div class="sec-title">' + T("narr_title",lang) + ' ' + flag + '</div>', unsafe_allow_html=True)
-
-    if result is None:
-        st.info("⬆️ " + {'id':'Submit form di atas untuk melihat narasi AI.',
-                          'en':'Submit the form above to see the AI narrative.',
-                          'hi':'AI vivarana dekhne ke liye upar form submit karein.'}[lang])
+    st.caption(T('narr_source',lang) + ": " + (llm_src if llm_src else "—"))
+    if narrative and narrative.strip():
+        fmt = re.sub(r'\*\*(.+?)\*\*', r'<strong>\1</strong>', narrative.replace('\n','<br>'))
+        st.markdown('<div class="narrative-box">' + fmt + '</div>', unsafe_allow_html=True)
     else:
-        st.caption(T('narr_source',lang) + ": " + (llm_src if llm_src else "—"))
-        if narrative and narrative.strip():
-            fmt = re.sub(r'\*\*(.+?)\*\*', r'<strong>\1</strong>', narrative.replace('\n','<br>'))
-            st.markdown('<div class="narrative-box">' + fmt + '</div>', unsafe_allow_html=True)
-        else:
-            narrative_fb, src_fb = get_narrative(shap_vals, feature_names, result, lang, raw_input)
-            st.session_state.narrative = narrative_fb
-            st.session_state.llm_src   = src_fb
-            fmt = re.sub(r'\*\*(.+?)\*\*', r'<strong>\1</strong>', narrative_fb.replace('\n','<br>'))
-            st.markdown('<div class="narrative-box">' + fmt + '</div>', unsafe_allow_html=True)
+        narrative_fb, src_fb = get_narrative(shap_vals, feature_names, result, lang, raw_input)
+        st.session_state.narrative = narrative_fb
+        st.session_state.llm_src   = src_fb
+        fmt = re.sub(r'\*\*(.+?)\*\*', r'<strong>\1</strong>', narrative_fb.replace('\n','<br>'))
+        st.markdown('<div class="narrative-box">' + fmt + '</div>', unsafe_allow_html=True)
         _or_key  = st.session_state.get("openrouter_key","")
         _grq_key = st.session_state.get("groq_key","")
-        with st.expander("🔧 LLM Debug Info"):
+        with st.expander("LLM Debug Info"):
             st.code(
                 "OR key   : " + ('OK ' + _or_key[:12] + '...' if _or_key else 'missing') + "\n"
                 "Groq key : " + ('OK ' + _grq_key[:12] + '...' if _grq_key else 'missing') + "\n"
-                "Source   : " + str(llm_src) + "\n"
+                "Source   : " + str(src_fb) + "\n"
                 "OR model : " + _OR_FREE_MODELS[0] + "\n"
                 "Groq mdl : " + _GROQ_FREE_MODELS[0]
             )
@@ -1868,85 +1495,86 @@ with t3:
     _tab_step(2)
     st.markdown('<div class="sec-title">' + T("chat_title",lang) + '</div>', unsafe_allow_html=True)
 
-    if result is None:
-        st.info("⬆️ " + {'id':'Submit form di atas untuk chat dengan Maya.',
-                          'en':'Submit the form above to chat with Maya.',
-                          'hi':'Maya se baat karne ke liye upar form submit karein.'}[lang])
+    if st.session_state.get('chat_summary'):
+        n_turns = len(st.session_state.chat_history)
+        lbl = {
+            'id': 'Memory aktif - ' + str(n_turns) + ' pesan tersimpan',
+            'en': 'Memory active - ' + str(n_turns) + ' messages saved',
+            'hi': 'Memory active - ' + str(n_turns) + ' sandesh save hue',
+        }
+        st.markdown('<div class="memory-badge">' + lbl.get(lang, lbl["en"]) + '</div>', unsafe_allow_html=True)
+
+    chips        = [T('chat_chip1',lang), T('chat_chip2',lang), T('chat_chip3',lang), T('chat_chip4',lang)]
+    chip_cols    = st.columns(len(chips))
+    chip_clicked = None
+    for i, (col, chip) in enumerate(zip(chip_cols, chips)):
+        with col:
+            if st.button(chip, key="chip_" + str(i), use_container_width=True):
+                chip_clicked = chip
+    st.markdown("---")
+
+    if st.session_state.chat_history:
+        html_chat = ""
+        for msg in st.session_state.chat_history:
+            content = re.sub(r'\*\*(.+?)\*\*', r'<strong>\1</strong>',
+                             msg['content'].replace('\n','<br>'))
+            cls  = "chat-bubble-user" if msg['role'] == 'user' else "chat-bubble-ai"
+            icon = "👤" if msg['role'] == 'user' else "🤖"
+            html_chat += '<div class="' + cls + '">' + icon + ' ' + content + '</div>'
+        st.markdown(html_chat, unsafe_allow_html=True)
     else:
-        if st.session_state.get('chat_summary'):
-            n_turns = len(st.session_state.chat_history)
-            lbl = {
-                'id': 'Memory aktif - ' + str(n_turns) + ' pesan tersimpan',
-                'en': 'Memory active - ' + str(n_turns) + ' messages saved',
-                'hi': 'Memory active - ' + str(n_turns) + ' sandesh save hue',
-            }
-            st.markdown('<div class="memory-badge">' + lbl.get(lang, lbl["en"]) + '</div>', unsafe_allow_html=True)
-
-        chips        = [T('chat_chip1',lang), T('chat_chip2',lang), T('chat_chip3',lang), T('chat_chip4',lang)]
-        chip_cols    = st.columns(len(chips))
-        chip_clicked = None
-        for i, (col, chip) in enumerate(zip(chip_cols, chips)):
-            with col:
-                if st.button(chip, key="chip_" + str(i), use_container_width=True):
-                    chip_clicked = chip
-        st.markdown("---")
-
-        if st.session_state.chat_history:
-            html_chat = ""
-            for msg in st.session_state.chat_history:
-                content = re.sub(r'\*\*(.+?)\*\*', r'<strong>\1</strong>',
-                                 msg['content'].replace('\n','<br>'))
-                cls  = "chat-bubble-user" if msg['role'] == 'user' else "chat-bubble-ai"
-                icon = "👤" if msg['role'] == 'user' else "🤖"
-                html_chat += '<div class="' + cls + '">' + icon + ' ' + content + '</div>'
-            st.markdown(html_chat, unsafe_allow_html=True)
-        else:
-            st.info("👋 " + T('chat_welcome', lang))
-
-        user_input = st.chat_input(T('chat_input', lang))
-        to_process = chip_clicked or user_input
-        if to_process:
-            st.session_state.chat_history.append({'role':'user','content':to_process})
-            _chat_status_ph = st.empty()
-            _spinner_label  = {'id':'🤔 Maya sedang berpikir...','en':'🤔 Maya is thinking...','hi':'🤔 Maya soch rahi hai...'}.get(lang,'🤔 Maya sedang berpikir...')
-            with st.spinner(_spinner_label):
-                _chat_status_ph.info(
-                    {'id':'⏳ Menghubungi LLM — bisa 5–15 detik...','en':'⏳ Connecting to LLM — may take 5–15 seconds...','hi':'⏳ LLM se connect ho raha hai — 5–15 second lag sakte hain...'}[lang],
-                    icon="⏳"
-                )
-                ai_resp, adjustments, _debug_err = get_chat_response(
-                    to_process, st.session_state.chat_history,
-                    result, raw_input, shap_vals, feature_names, lang,
-                    rag_index=rag_index
-                )
-                _chat_status_ph.empty()
-                if _debug_err and any([st.session_state.get("openrouter_key"), st.session_state.get("groq_key")]):
-                    st.warning("Semua LLM gagal, menggunakan Smart Fallback. Error: " + str(_debug_err)[:100])
-            st.session_state.chat_history.append({'role':'assistant','content':ai_resp})
-            _save_chat_memory(st.session_state.chat_history, st.session_state.get('chat_summary',''))
-            adj_map = {
-                'digital_presence_score': 'wi_dig', 'business_age_years': 'wi_biz',
-                'num_employees':          'wi_emp',  'monthly_cash_flow':  'wi_cash',
-                'duration':               'wi_dur',  'loan_rp':            'wi_loan',
-            }
-            if adjustments:
-                for field, val in adjustments.items():
-                    if field in adj_map:
-                        st.session_state[adj_map[field]] = val
-                st.success("💡 " + T('chat_updated', lang))
-            st.rerun()
+        st.info("👋 " + T('chat_welcome', lang))
+
+    user_input = st.chat_input(T('chat_input', lang))
+    to_process = chip_clicked or user_input
+    if to_process:
+        st.session_state.chat_history.append({'role':'user','content':to_process})
+        _chat_status_ph = st.empty()
+        _spinner_label  = {
+            'id': '🤔 Maya sedang berpikir...',
+            'en': '🤔 Maya is thinking...',
+            'hi': '🤔 Maya soch rahi hai...',
+        }.get(lang, '🤔 Maya sedang berpikir...')
+        with st.spinner(_spinner_label):
+            _chat_status_ph.info(
+                {'id':'⏳ Menghubungi LLM — bisa 5–15 detik tergantung model yang dipilih...',
+                 'en':'⏳ Connecting to LLM — may take 5–15 seconds depending on the model...',
+                 'hi':'⏳ LLM se connect ho raha hai — model ke hisaab se 5–15 second lag sakte hain...'}[lang],
+                icon="⏳"
+            )
+            ai_resp, adjustments, _debug_err = get_chat_response(
+                to_process, st.session_state.chat_history,
+                result, raw_input, shap_vals, feature_names, lang,
+                rag_index=rag_index
+            )
+            _chat_status_ph.empty()
+            if _debug_err and any([st.session_state.get("openrouter_key"),
+                                   st.session_state.get("groq_key")]):
+                st.warning("Semua LLM gagal, menggunakan Smart Fallback. Error: " + str(_debug_err)[:100])
+        st.session_state.chat_history.append({'role':'assistant','content':ai_resp})
+        _save_chat_memory(st.session_state.chat_history, st.session_state.get('chat_summary',''))
+        adj_map = {
+            'digital_presence_score': 'wi_dig', 'business_age_years': 'wi_biz',
+            'num_employees':          'wi_emp',  'monthly_cash_flow':  'wi_cash',
+            'duration':               'wi_dur',  'loan_rp':            'wi_loan',
+        }
+        if adjustments:
+            for field, val in adjustments.items():
+                if field in adj_map:
+                    st.session_state[adj_map[field]] = val
+            st.success("💡 " + T('chat_updated', lang))
+        st.rerun()
 
-        if st.session_state.chat_history:
-            if st.button(T('chat_clear', lang)):
-                st.session_state.chat_history = []
-                st.session_state.chat_summary = ''
-                _save_chat_memory([], '')
-                st.rerun()
+    if st.session_state.chat_history:
+        if st.button(T('chat_clear', lang)):
+            st.session_state.chat_history = []
+            st.session_state.chat_summary = ''
+            _save_chat_memory([], '')
+            st.rerun()
 
 # ── TAB 4: WHAT-IF ────────────────────────────────────────────
 with t4:
     _tab_step(3)
-
     @st.fragment
     def render_whatif():
         _lang       = st.session_state.get("lang_sel","id")
@@ -1985,11 +1613,11 @@ with t4:
                 'monthly_cash_flow':      float(wi_cash * 1e6),
                 'num_employees':          wi_emp,
             }
-            X_wi   = preprocess(wi_raw, scaler, feature_names)
-            wi_pd  = float(ensemble.predict_proba(X_wi)[0][1])
+            X_wi  = preprocess(wi_raw, scaler, feature_names)
+            wi_pd = float(ensemble.predict_proba(X_wi)[0][1])
             wi_res = risk_result(wi_pd, wi_loan * 1e6, result_f['lgd'])
-            d_pd   = wi_pd - result_f['pd']
-            d_el   = wi_res['el'] - result_f['el']
+            d_pd  = wi_pd - result_f['pd']
+            d_el  = wi_res['el'] - result_f['el']
             _log_api("What-If", "Local Model", True, 0)
 
             r1, r2, r3 = st.columns(3)
@@ -2051,15 +1679,25 @@ with t4:
             with st.expander(T('wi_tips_title', _lang)):
                 tips = []
                 if wi_dig < 70:
-                    tips.append(_t("📱 Naikkan Digital Score ke 70+ — marketplace & Google Business","📱 Raise Digital Score to 70+ — marketplace & Google Business","📱 Digital Score 70+ karein — marketplace & Google Business"))
+                    tips.append(_t("📱 Naikkan Digital Score ke 70+ — marketplace & Google Business",
+                                   "📱 Raise Digital Score to 70+ — marketplace & Google Business",
+                                   "📱 Digital Score 70+ karein — marketplace & Google Business"))
                 if wi_cash < 20:
-                    tips.append(_t("💵 Target cash flow Rp 20jt+/bulan","💵 Target Rp 20M+/month cash flow","💵 Naqad pravaah Rp 20M+/maah target"))
+                    tips.append(_t("💵 Target cash flow Rp 20jt+/bulan",
+                                   "💵 Target Rp 20M+/month cash flow",
+                                   "💵 Naqad pravaah Rp 20M+/maah target"))
                 if wi_biz < 3:
-                    tips.append(_t("🏢 Bisnis < 3 thn lebih berisiko — bangun track record","🏢 Business < 3 yr is riskier — build track record","🏢 3 saal se kam vyapaar — track record banaen"))
+                    tips.append(_t("🏢 Bisnis < 3 thn lebih berisiko — bangun track record",
+                                   "🏢 Business < 3 yr is riskier — build track record",
+                                   "🏢 3 saal se kam vyapaar — track record banaen"))
                 if wi_emp < 5:
-                    tips.append(_t("👥 Tambah karyawan = skala bisnis lebih sehat","👥 More employees signals healthy scale","👥 Zyada karmachaaree = swasth paimaana"))
+                    tips.append(_t("👥 Tambah karyawan = skala bisnis lebih sehat",
+                                   "👥 More employees signals healthy scale",
+                                   "👥 Zyada karmachaaree = swasth paimaana"))
                 if not tips:
-                    tips.append(_t("🌟 Profil sudah optimal!","🌟 Profile already well-optimized!","🌟 Parichay pehle se anukoolit!"))
+                    tips.append(_t("🌟 Profil sudah optimal!",
+                                   "🌟 Profile already well-optimized!",
+                                   "🌟 Parichay pehle se anukoolit!"))
                 for tip in tips:
                     st.markdown(tip)
 
@@ -2072,70 +1710,53 @@ with t4:
 with t5:
     _tab_step(4)
     st.markdown('<div class="sec-title">' + T("form_formula_title",lang) + '</div>', unsafe_allow_html=True)
-
-    if result is None:
-        st.info("⬆️ " + {'id':'Submit form di atas untuk melihat breakdown formula.',
-                          'en':'Submit the form above to see the formula breakdown.',
-                          'hi':'Formula dekhne ke liye upar form submit karein.'}[lang])
-    else:
-        st.latex(r"EL = PD \times LGD \times EAD")
-        st.latex(
-            "EL = " + str(round(result['pd'],4)) + r" \times " + str(round(result['lgd'],2))
-            + r" \times Rp\," + "{:,}".format(int(result['ead']))
-            + r" = Rp\," + "{:,}".format(int(result['el']))
+    st.latex(r"EL = PD \times LGD \times EAD")
+    st.latex(
+        "EL = " + str(round(result['pd'],4)) + r" \times " + str(round(result['lgd'],2))
+        + r" \times Rp\," + "{:,}".format(int(result['ead']))
+        + r" = Rp\," + "{:,}".format(int(result['el']))
+    )
+    cf1, cf2 = st.columns(2)
+    with cf1:
+        st.markdown(T('formula_def', lang))
+    with cf2:
+        cat_lbl = (
+            T('formula_low',lang)    if result['pd'] < .2 else
+            T('formula_medium',lang) if result['pd'] < .5 else
+            T('formula_high',lang)
         )
-        cf1, cf2 = st.columns(2)
-        with cf1:
-            st.markdown(T('formula_def', lang))
-        with cf2:
-            cat_lbl = (
-                T('formula_low',lang)    if result['pd'] < .2 else
-                T('formula_medium',lang) if result['pd'] < .5 else
-                T('formula_high',lang)
-            )
-            st.markdown(
-                "| " + T('formula_komponen',lang) + " | " + T('formula_nilai',lang) + " |\n"
-                "|--|--|\n"
-                "| PD  | " + str(round(result['pd']*100,1)) + "% (" + cat_lbl + ") |\n"
-                "| LGD | " + str(int(result['lgd']*100)) + "% |\n"
-                "| EAD | Rp " + str(int(result['ead']/1e6)) + "jt |\n"
-                "| **EL** | **Rp " + str(round(result['el']/1e6,2)) + "jt** |"
-            )
-        _log_api("Formula", "Local", True, 0)
+        st.markdown(
+            "| " + T('formula_komponen',lang) + " | " + T('formula_nilai',lang) + " |\n"
+            "|--|--|\n"
+            "| PD  | " + str(round(result['pd']*100,1)) + "% (" + cat_lbl + ") |\n"
+            "| LGD | " + str(int(result['lgd']*100)) + "% |\n"
+            "| EAD | Rp " + str(int(result['ead']/1e6)) + "jt |\n"
+            "| **EL** | **Rp " + str(round(result['el']/1e6,2)) + "jt** |"
+        )
+    _log_api("Formula", "Local", True, 0)
 
 # ============================================================
-# CLEAR PROGRESS + INJECT MEDIA MANAGER
-# ← FIX: inject_media_manager() is NOW CALLED HERE
-#   (was defined but never called in original code)
-#   Called every render so mute state syncs correctly
+# DOWNLOAD REPORT
 # ============================================================
 _tab_step(5)
 _tab_prog_ph.empty()
-
-# Inject GIF + audio system (runs after all tabs are rendered)
-inject_media_manager()
-
-# ============================================================
-# DOWNLOAD REPORT
-# ============================================================
-if result:
-    st.markdown("---")
-    report_txt = (
-        "SME CREDIT RISK REPORT — 1na37 AI · Batch 10\n" + "="*50 + "\n"
-        + T('kpi_pd',lang) + ": " + str(round(result['pd']*100,1)) + "% → " + result['cat'][lang] + "\n"
-        + T('kpi_el',lang) + ": Rp " + "{:,}".format(int(result['el'])) + "\n"
-        "LGD: " + str(int(result['lgd']*100)) + "% (Basel II)\n"
-        "EAD: Rp " + "{:,}".format(int(result['ead'])) + "\n"
-        + "="*50 + "\n"
-        + T('narr_title',lang) + "\n" + narrative + "\n"
-        + "="*50 + "\n"
-        "TOP SHAP\n" + shap_summary(shap_vals, feature_names, 5) + "\n"
-        + "="*50 + "\n"
-        "DISCLAIMER: Educational use only. Not financial advice."
-    )
-    st.download_button(
-        T('download_btn', lang),
-        data=report_txt,
-        file_name=T('download_file', lang),
-        mime="text/plain"
-    )
+st.markdown("---")
+report_txt = (
+    "SME CREDIT RISK REPORT — 1na37 AI · Batch 10\n" + "="*50 + "\n"
+    + T('kpi_pd',lang) + ": " + str(round(result['pd']*100,1)) + "% → " + result['cat'][lang] + "\n"
+    + T('kpi_el',lang) + ": Rp " + "{:,}".format(int(result['el'])) + "\n"
+    "LGD: " + str(int(result['lgd']*100)) + "% (Basel II)\n"
+    "EAD: Rp " + "{:,}".format(int(result['ead'])) + "\n"
+    + "="*50 + "\n"
+    + T('narr_title',lang) + "\n" + narrative + "\n"
+    + "="*50 + "\n"
+    "TOP SHAP\n" + shap_summary(shap_vals, feature_names, 5) + "\n"
+    + "="*50 + "\n"
+    "DISCLAIMER: Educational use only. Not financial advice."
+)
+st.download_button(
+    T('download_btn', lang),
+    data=report_txt,
+    file_name=T('download_file', lang),
+    mime="text/plain"
+)