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README.md

@@ -1,19 +1,32 @@
----
-title: UMI
-emoji: 🚀
-colorFrom: red
-colorTo: red
-sdk: docker
-app_port: 8501
-tags:
-- streamlit
-pinned: false
-short_description: Streamlit template space
----
-
-# Welcome to Streamlit!
-
-Edit `/src/streamlit_app.py` to customize this app to your heart's desire. :heart:
-
-If you have any questions, checkout our [documentation](https://docs.streamlit.io) and [community
-forums](https://discuss.streamlit.io).
+# NZ Mortgage Servicing Calculator
+
+Pure Python Streamlit app for Hugging Face Spaces.
+
+## Hugging Face Spaces
+
+1. Create a new Space.
+2. Select **Streamlit** as the SDK.
+3. Upload `app.py`, `requirements.txt`, `packages.txt`, and this `README.md`.
+4. The app will run without Excel, VBA, Windows COM, or local macro files.
+
+## LibreOffice Formula Recalculation Test
+
+Hugging Face installs system packages from `packages.txt`. This project uses that file to install LibreOffice for headless spreadsheet recalculation.
+
+Run this after the Space builds, or locally after installing LibreOffice:
+
+```bash
+python test_libreoffice_recalc.py
+```
+
+Expected result:
+
+```text
+LibreOffice formula recalc test: PASS
+```
+
+## Notes
+
+This version replaces the old Excel macro execution with Python repayment, LVR, UMI, NSR, DTI, lender rate, LEM, and servicing-rule logic.
+
+For production use, validate several real client scenarios against the previous workbook and tune each lender rule until the results match your accepted policy model.

packages.txt

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+libreoffice

requirements.txt

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-altair
+streamlit
 pandas
-streamlit
+openpyxl

test_libreoffice_recalc.py

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+import shutil
+import subprocess
+import sys
+import tempfile
+from pathlib import Path
+
+from openpyxl import Workbook, load_workbook
+
+
+def find_soffice() -> str:
+    for name in ("soffice", "libreoffice"):
+        path = shutil.which(name)
+        if path:
+            return path
+    common_windows_paths = [
+        r"C:\Program Files\LibreOffice\program\soffice.exe",
+        r"C:\Program Files (x86)\LibreOffice\program\soffice.exe",
+    ]
+    for path in common_windows_paths:
+        if Path(path).exists():
+            return path
+    raise RuntimeError("LibreOffice/soffice was not found on PATH.")
+
+
+def main() -> int:
+    soffice = find_soffice()
+    workdir = Path(tempfile.mkdtemp(prefix="lo_recalc_"))
+    input_path = workdir / "formula_test.xlsx"
+
+    wb = Workbook()
+    ws = wb.active
+    ws.title = "Dashboard"
+    ws["A1"] = 10
+    ws["A2"] = 25
+    ws["A3"] = "=SUM(A1:A2)"
+    ws["B1"] = '=IF(A3=35,"PASS","FAIL")'
+    wb.save(input_path)
+
+    subprocess.run(
+        [
+            soffice,
+            "--headless",
+            "--convert-to",
+            "xlsx",
+            "--outdir",
+            str(workdir),
+            str(input_path),
+        ],
+        check=True,
+        stdout=subprocess.PIPE,
+        stderr=subprocess.PIPE,
+        text=True,
+    )
+
+    recalculated = load_workbook(input_path, data_only=True)
+    ws_data = recalculated["Dashboard"]
+    sum_value = ws_data["A3"].value
+    pass_value = ws_data["B1"].value
+
+    print(f"soffice={soffice}")
+    print(f"A3={sum_value!r}")
+    print(f"B1={pass_value!r}")
+
+    if sum_value == 35 and pass_value == "PASS":
+        print("LibreOffice formula recalc test: PASS")
+        return 0
+
+    print("LibreOffice formula recalc test: FAIL")
+    return 1
+
+
+if __name__ == "__main__":
+    try:
+        raise SystemExit(main())
+    except Exception as exc:
+        print(f"LibreOffice formula recalc test: ERROR - {exc}")
+        raise SystemExit(1)