Update app.py

app.py

@@ -3,11 +3,10 @@
 Financial Health Score Service (FastAPI)
 
 Rewrite includes:
-- Uses GPT-4.1 with strict JSON schema (response_format)
-- OpenAI JSON is guaranteed valid -> uses message.parsed
-- Bulletproof Mongo fetch for budgets, transactions, currencies
-- Fully rewritten OpenAI call (Option A)
-- No messy regex parsing
+- Uses GPT-4o-mini with strict JSON schema (response_format)
+- Correct new OpenAI API (`openai.responses.create`)
+- Fully valid `.output[0].content[0].parsed`
+- Bulletproof Mongo fetch + normalization
 """
 
 import json
@@ -193,36 +192,36 @@ def financial_score(payload: ScoreRequest):
     prompt = build_prompt(budgets, transactions)
 
     # ===========================
-    # STRICT GPT-4.1 JSON (Option A)
+    # STRICT GPT-4o-mini JSON
     # ===========================
     try:
-    response = openai.responses.create(
-        model="gpt-4o-mini",
-        temperature=0.6,
-        response_format={
-            "type": "json_schema",
-            "json_schema": {
-                "name": "financial_score",
-                "schema": {
-                    "type": "object",
-                    "properties": {
-                        "score": {"type": "number"},
-                        "explanation": {"type": "string"}
-                    },
-                    "required": ["score", "explanation"],
-                    "additionalProperties": False
+        response = openai.responses.create(
+            model="gpt-4o-mini",
+            temperature=0.6,
+            response_format={
+                "type": "json_schema",
+                "json_schema": {
+                    "name": "financial_score",
+                    "schema": {
+                        "type": "object",
+                        "properties": {
+                            "score": {"type": "number"},
+                            "explanation": {"type": "string"}
+                        },
+                        "required": ["score", "explanation"],
+                        "additionalProperties": False
+                    }
                 }
-            }
-        },
-        messages=[
-            {"role": "system", "content": "You are a financial scoring engine."},
-            {"role": "user", "content": prompt}
-        ]
-    )
+            },
+            messages=[
+                {"role": "system", "content": "You are a financial scoring engine."},
+                {"role": "user", "content": prompt}
+            ]
+        )
     except Exception as exc:
         raise HTTPException(status_code=502, detail=f"OpenAI request failed: {exc}")
-    
-    # `.output[0].content[0].parsed` contains guaranteed valid JSON
+
+    # GUARANTEED VALID JSON
     try:
         parsed = response.output[0].content[0].parsed
     except Exception:
@@ -230,18 +229,17 @@ def financial_score(payload: ScoreRequest):
             status_code=502,
             detail="OpenAI response did not include parsed JSON (unexpected)"
         )
-    
-    # Score
+
+    # Score normalization
     score_val = parsed.get("score", 0)
     try:
         score_val = int(float(score_val))
     except:
         score_val = 0
     score_val = max(0, min(100, score_val))
-    
+
     return {
         "userId": payload.userId,
         "score": score_val,
         "explanation": parsed.get("explanation")
     }
-