Upload app.py

app.py

@@ -0,0 +1,718 @@
+import os
+import time
+import json
+import csv
+import io
+import textwrap
+from dataclasses import dataclass, field
+from typing import Dict, Tuple, List, Any
+
+import gradio as gr
+
+
+# ============================================================
+# Family Financial Intelligence (FFI)
+# BPM RED Academy — HumAI MightHub
+# Research Preview · Family Budgeting · Scenario Planning
+# ============================================================
+
+TITLE = "Family Financial Intelligence (FFI)"
+SUBTITLE = "AI-assisted household financial planning · Strategic budgeting · Scenario stress testing"
+
+# Set in Hugging Face Space -> Settings -> Variables and secrets
+# Example:
+# FFI_ACCESS_CODES = "FFI-EDIN-001,FFI-CLIENT-002"
+# FFI_DAILY_QUOTA = "10"
+# FFI_BRAND_CONTACT = "engagement@bpm.ba"
+# FFI_MIN_CHARS = "30"
+
+ACCESS_CODES_RAW = os.getenv("FFI_ACCESS_CODES", os.getenv("PFI_ACCESS_CODES", "")).strip()
+DAILY_QUOTA = int(os.getenv("FFI_DAILY_QUOTA", os.getenv("PFI_DAILY_QUOTA", "10")).strip() or "10")
+BRAND_CONTACT = os.getenv("FFI_BRAND_CONTACT", os.getenv("PFI_BRAND_CONTACT", "engagement@bpm.ba")).strip()
+MIN_CHARS = int(os.getenv("FFI_MIN_CHARS", os.getenv("PFI_MIN_CHARS", "30")).strip() or "30")
+VALID_CODES = {c.strip() for c in ACCESS_CODES_RAW.split(",") if c.strip()}
+WINDOW_SECONDS = 24 * 60 * 60
+
+
+@dataclass
+class UsageEntry:
+    ts: list = field(default_factory=list)
+
+
+@dataclass
+class AccessState:
+    usage: Dict[str, UsageEntry] = field(default_factory=dict)
+    audit: list = field(default_factory=list)
+
+
+def now_ts() -> float:
+    return time.time()
+
+
+def utc_now_iso() -> str:
+    return time.strftime("%Y-%m-%dT%H:%M:%SZ", time.gmtime())
+
+
+def clean_old(ts_list: list, now: float) -> list:
+    cutoff = now - WINDOW_SECONDS
+    return [t for t in ts_list if t >= cutoff]
+
+
+def validate_code(code: str) -> Tuple[bool, str]:
+    code = (code or "").strip()
+    if not code:
+        return False, "Access Code is required."
+    if not VALID_CODES:
+        return False, "FFI is not configured for access codes yet. Add FFI_ACCESS_CODES in Space secrets."
+    if code not in VALID_CODES:
+        return False, "Invalid Access Code."
+    return True, "Access granted."
+
+
+def money(value: Any) -> float:
+    try:
+        return round(float(value or 0), 2)
+    except Exception:
+        return 0.0
+
+
+def pct(value: Any) -> float:
+    try:
+        return round(float(value or 0), 2)
+    except Exception:
+        return 0.0
+
+
+def safe_div(a: float, b: float) -> float:
+    if not b:
+        return 0.0
+    return round(a / b, 4)
+
+
+def parse_expenses_csv(raw: str) -> List[Dict[str, Any]]:
+    """
+    Expected rows:
+    category, amount, owner, type, note
+
+    Example:
+    Housing, 900, Joint, fixed, Rent or loan
+    Food, 650, Joint, variable, Groceries
+    AI Tools, 250, Edin, project, HF/OpenAI/Cloud
+    """
+    raw = (raw or "").strip()
+    if not raw:
+        return []
+
+    rows = []
+    f = io.StringIO(raw)
+    reader = csv.reader(f)
+    for row in reader:
+        if not row or all(not str(x).strip() for x in row):
+            continue
+
+        # Skip header if present
+        first = str(row[0]).strip().lower()
+        if first in {"category", "kategorija"}:
+            continue
+
+        category = str(row[0]).strip() if len(row) > 0 else "Uncategorized"
+        amount = money(row[1]) if len(row) > 1 else 0.0
+        owner = str(row[2]).strip() if len(row) > 2 else "Joint"
+        expense_type = str(row[3]).strip() if len(row) > 3 else "variable"
+        note = str(row[4]).strip() if len(row) > 4 else ""
+
+        rows.append({
+            "category": category or "Uncategorized",
+            "amount": amount,
+            "owner": owner or "Joint",
+            "type": expense_type or "variable",
+            "note": note,
+        })
+    return rows
+
+
+def parse_goals_csv(raw: str) -> List[Dict[str, Any]]:
+    """
+    Expected rows:
+    goal, target_amount, current_amount, deadline_months, priority
+    """
+    raw = (raw or "").strip()
+    if not raw:
+        return []
+
+    rows = []
+    f = io.StringIO(raw)
+    reader = csv.reader(f)
+    for row in reader:
+        if not row or all(not str(x).strip() for x in row):
+            continue
+
+        first = str(row[0]).strip().lower()
+        if first in {"goal", "cilj"}:
+            continue
+
+        goal = str(row[0]).strip() if len(row) > 0 else "Goal"
+        target_amount = money(row[1]) if len(row) > 1 else 0.0
+        current_amount = money(row[2]) if len(row) > 2 else 0.0
+        deadline_months = int(money(row[3])) if len(row) > 3 else 12
+        priority = str(row[4]).strip() if len(row) > 4 else "Medium"
+
+        rows.append({
+            "goal": goal or "Goal",
+            "target_amount": target_amount,
+            "current_amount": current_amount,
+            "deadline_months": max(1, deadline_months),
+            "priority": priority or "Medium",
+        })
+    return rows
+
+
+def category_totals(expenses: List[Dict[str, Any]]) -> Dict[str, float]:
+    totals = {}
+    for item in expenses:
+        cat = item.get("category", "Uncategorized")
+        totals[cat] = round(totals.get(cat, 0.0) + money(item.get("amount")), 2)
+    return totals
+
+
+def owner_totals(expenses: List[Dict[str, Any]]) -> Dict[str, float]:
+    totals = {}
+    for item in expenses:
+        owner = item.get("owner", "Joint")
+        totals[owner] = round(totals.get(owner, 0.0) + money(item.get("amount")), 2)
+    return totals
+
+
+def type_totals(expenses: List[Dict[str, Any]]) -> Dict[str, float]:
+    totals = {}
+    for item in expenses:
+        typ = item.get("type", "variable")
+        totals[typ] = round(totals.get(typ, 0.0) + money(item.get("amount")), 2)
+    return totals
+
+
+def build_financial_snapshot(
+    household_name: str,
+    partner_a: str,
+    partner_b: str,
+    monthly_income_a: float,
+    monthly_income_b: float,
+    other_income: float,
+    cash_reserve: float,
+    debt_total: float,
+    debt_monthly_payment: float,
+    expenses_raw: str,
+    goals_raw: str,
+    ai_budget: float,
+    bpm_projected_income: float,
+    expected_one_time_income: float,
+    horizon_months: int,
+    emergency_target_months: int,
+    stress_income_drop_pct: float,
+    stress_expense_increase_pct: float,
+    notes: str,
+) -> Dict[str, Any]:
+
+    expenses = parse_expenses_csv(expenses_raw)
+    goals = parse_goals_csv(goals_raw)
+
+    income_a = money(monthly_income_a)
+    income_b = money(monthly_income_b)
+    other = money(other_income)
+    ai = money(ai_budget)
+    bpm_income = money(bpm_projected_income)
+    one_time = money(expected_one_time_income)
+
+    base_monthly_income = round(income_a + income_b + other, 2)
+    strategic_monthly_income = round(base_monthly_income + bpm_income, 2)
+
+    monthly_expenses = round(sum(money(x.get("amount")) for x in expenses) + ai, 2)
+    monthly_debt = money(debt_monthly_payment)
+    total_monthly_obligations = round(monthly_expenses + monthly_debt, 2)
+
+    base_cashflow = round(base_monthly_income - total_monthly_obligations, 2)
+    strategic_cashflow = round(strategic_monthly_income - total_monthly_obligations, 2)
+
+    reserve = money(cash_reserve)
+    emergency_target = round(total_monthly_obligations * max(1, int(emergency_target_months or 3)), 2)
+    reserve_gap = round(max(0.0, emergency_target - reserve), 2)
+
+    debt = money(debt_total)
+    debt_to_income = safe_div(monthly_debt, base_monthly_income)
+    expense_to_income = safe_div(total_monthly_obligations, base_monthly_income)
+    reserve_months = safe_div(reserve, total_monthly_obligations)
+
+    stress_income = round(base_monthly_income * (1 - pct(stress_income_drop_pct) / 100.0), 2)
+    stress_expenses = round(total_monthly_obligations * (1 + pct(stress_expense_increase_pct) / 100.0), 2)
+    stress_cashflow = round(stress_income - stress_expenses, 2)
+
+    goal_requirements = []
+    total_goal_monthly_need = 0.0
+    for g in goals:
+        remaining = round(max(0.0, money(g["target_amount"]) - money(g["current_amount"])), 2)
+        monthly_need = round(remaining / max(1, int(g["deadline_months"])), 2)
+        total_goal_monthly_need += monthly_need
+        goal_requirements.append({
+            **g,
+            "remaining_amount": remaining,
+            "monthly_required_saving": monthly_need,
+        })
+
+    total_goal_monthly_need = round(total_goal_monthly_need, 2)
+    cashflow_after_goals = round(base_cashflow - total_goal_monthly_need, 2)
+    strategic_cashflow_after_goals = round(strategic_cashflow - total_goal_monthly_need, 2)
+
+    if base_cashflow < 0:
+        posture = "Defensive"
+    elif reserve_months < emergency_target_months * 0.5:
+        posture = "Stabilization"
+    elif cashflow_after_goals < 0:
+        posture = "Goal-Constrained"
+    else:
+        posture = "Strategic"
+
+    risk_flags = []
+    if base_cashflow < 0:
+        risk_flags.append("Negative base monthly cash-flow")
+    if stress_cashflow < 0:
+        risk_flags.append("Stress scenario produces negative cash-flow")
+    if reserve_months < 1:
+        risk_flags.append("Cash reserve covers less than one month of obligations")
+    if debt_to_income > 0.35:
+        risk_flags.append("Debt payment burden is elevated relative to monthly income")
+    if expense_to_income > 0.85:
+        risk_flags.append("Obligations consume a very high share of monthly income")
+    if ai > 0 and safe_div(ai, base_monthly_income) > 0.10:
+        risk_flags.append("AI/cloud/tooling budget exceeds 10% of base monthly income")
+    if not risk_flags:
+        risk_flags.append("No immediate structural red flag identified from provided inputs")
+
+    snapshot = {
+        "document_type": "family_financial_intelligence_snapshot",
+        "generated_at": utc_now_iso(),
+        "household": {
+            "household_name": household_name.strip() or "Family Household",
+            "partner_a": partner_a.strip() or "Partner A",
+            "partner_b": partner_b.strip() or "Partner B",
+        },
+        "income": {
+            "partner_a_monthly_income": income_a,
+            "partner_b_monthly_income": income_b,
+            "other_monthly_income": other,
+            "bpm_or_projected_monthly_income": bpm_income,
+            "expected_one_time_income": one_time,
+            "base_monthly_income": base_monthly_income,
+            "strategic_monthly_income": strategic_monthly_income,
+        },
+        "expenses": {
+            "items": expenses,
+            "category_totals": category_totals(expenses),
+            "owner_totals": owner_totals(expenses),
+            "type_totals": type_totals(expenses),
+            "ai_development_budget": ai,
+            "monthly_expenses_excluding_debt": monthly_expenses,
+            "monthly_debt_payment": monthly_debt,
+            "total_monthly_obligations": total_monthly_obligations,
+        },
+        "assets_and_debt": {
+            "cash_reserve": reserve,
+            "total_debt": debt,
+            "reserve_months": reserve_months,
+            "debt_payment_to_income_ratio": debt_to_income,
+            "obligation_to_income_ratio": expense_to_income,
+        },
+        "goals": {
+            "items": goal_requirements,
+            "total_monthly_goal_saving_required": total_goal_monthly_need,
+        },
+        "cashflow": {
+            "base_monthly_cashflow": base_cashflow,
+            "strategic_monthly_cashflow": strategic_cashflow,
+            "cashflow_after_goals": cashflow_after_goals,
+            "strategic_cashflow_after_goals": strategic_cashflow_after_goals,
+        },
+        "emergency_reserve": {
+            "target_months": int(emergency_target_months or 3),
+            "target_amount": emergency_target,
+            "reserve_gap": reserve_gap,
+        },
+        "stress_test": {
+            "horizon_months": int(horizon_months or 12),
+            "income_drop_pct": pct(stress_income_drop_pct),
+            "expense_increase_pct": pct(stress_expense_increase_pct),
+            "stressed_income": stress_income,
+            "stressed_obligations": stress_expenses,
+            "stressed_cashflow": stress_cashflow,
+        },
+        "structural_posture": posture,
+        "risk_flags": risk_flags,
+        "notes": notes.strip(),
+        "boundary": {
+            "financial_advice": False,
+            "trading_signals": False,
+            "execution": False,
+            "purpose": "household planning, budgeting, scenario framing, and decision preparation",
+        }
+    }
+
+    return snapshot
+
+
+def build_human_report(snapshot: Dict[str, Any]) -> str:
+    h = snapshot["household"]
+    income = snapshot["income"]
+    exp = snapshot["expenses"]
+    cf = snapshot["cashflow"]
+    reserve = snapshot["emergency_reserve"]
+    stress = snapshot["stress_test"]
+    goals = snapshot["goals"]
+    assets = snapshot["assets_and_debt"]
+
+    goals_text = ""
+    for g in goals["items"]:
+        goals_text += (
+            f"- {g['goal']}: target {g['target_amount']:.2f}, current {g['current_amount']:.2f}, "
+            f"remaining {g['remaining_amount']:.2f}, required/month {g['monthly_required_saving']:.2f}, "
+            f"priority {g['priority']}\n"
+        )
+    if not goals_text:
+        goals_text = "- No structured goals entered.\n"
+
+    category_text = "\n".join([f"- {k}: {v:.2f}" for k, v in exp["category_totals"].items()]) or "- No expense categories entered."
+
+    risk_text = "\n".join([f"- {x}" for x in snapshot["risk_flags"]])
+
+    if snapshot["structural_posture"] == "Defensive":
+        next_step = "First stabilize monthly cash-flow before adding new long-term commitments."
+    elif snapshot["structural_posture"] == "Stabilization":
+        next_step = "Prioritize emergency reserve build-up before aggressive project or lifestyle expansion."
+    elif snapshot["structural_posture"] == "Goal-Constrained":
+        next_step = "Re-rank goals and decide which goals are priority, delayed, reduced, or funded by new income."
+    else:
+        next_step = "Maintain disciplined budgeting and use surplus for priority goals, reserve growth, and strategic projects."
+
+    report = f"""
+FAMILY FINANCIAL INTELLIGENCE REPORT
+Research Preview · Informational · Non-executable
+
+Household:
+- {h['household_name']}
+- Partners: {h['partner_a']} + {h['partner_b']}
+
+1) Monthly Position
+- Base monthly income: {income['base_monthly_income']:.2f}
+- Strategic monthly income including projected BPM/project income: {income['strategic_monthly_income']:.2f}
+- Monthly expenses excluding debt: {exp['monthly_expenses_excluding_debt']:.2f}
+- Monthly debt payment: {exp['monthly_debt_payment']:.2f}
+- Total monthly obligations: {exp['total_monthly_obligations']:.2f}
+
+2) Cash-flow
+- Base monthly cash-flow: {cf['base_monthly_cashflow']:.2f}
+- Strategic monthly cash-flow: {cf['strategic_monthly_cashflow']:.2f}
+- Monthly saving required for listed goals: {goals['total_monthly_goal_saving_required']:.2f}
+- Base cash-flow after goals: {cf['cashflow_after_goals']:.2f}
+- Strategic cash-flow after goals: {cf['strategic_cashflow_after_goals']:.2f}
+
+3) Reserve and Debt
+- Cash reserve: {assets['cash_reserve']:.2f}
+- Reserve coverage in months: {assets['reserve_months']:.2f}
+- Emergency reserve target: {reserve['target_amount']:.2f}
+- Reserve gap: {reserve['reserve_gap']:.2f}
+- Debt payment / income ratio: {assets['debt_payment_to_income_ratio']:.2%}
+- Obligations / income ratio: {assets['obligation_to_income_ratio']:.2%}
+
+4) Expense Structure
+{category_text}
+
+5) Goals
+{goals_text}
+6) Stress Test
+- Horizon: {stress['horizon_months']} months
+- Income drop: {stress['income_drop_pct']:.2f}%
+- Expense increase: {stress['expense_increase_pct']:.2f}%
+- Stressed monthly income: {stress['stressed_income']:.2f}
+- Stressed monthly obligations: {stress['stressed_obligations']:.2f}
+- Stressed monthly cash-flow: {stress['stressed_cashflow']:.2f}
+
+7) Structural Posture
+- {snapshot['structural_posture']}
+
+8) Risk Flags
+{risk_text}
+
+9) Suggested Next Planning Step
+- {next_step}
+
+Important boundary:
+This output is for household planning, budgeting, and scenario framing only.
+It is not financial advice, investment advice, trading guidance, tax advice, legal advice, or execution authority.
+"""
+    return textwrap.dedent(report).strip()
+
+
+def gated_generate_report(
+    access_code: str,
+    household_name: str,
+    partner_a: str,
+    partner_b: str,
+    monthly_income_a: float,
+    monthly_income_b: float,
+    other_income: float,
+    cash_reserve: float,
+    debt_total: float,
+    debt_monthly_payment: float,
+    expenses_raw: str,
+    goals_raw: str,
+    ai_budget: float,
+    bpm_projected_income: float,
+    expected_one_time_income: float,
+    horizon_months: int,
+    emergency_target_months: int,
+    stress_income_drop_pct: float,
+    stress_expense_increase_pct: float,
+    notes: str,
+    state: AccessState,
+):
+    state = state or AccessState()
+    now = now_ts()
+
+    ok, msg = validate_code(access_code)
+    code = (access_code or "").strip()
+    state.audit.append((int(now), "validate", code, ok))
+
+    if not ok:
+        locked = f"""
+🔒 FFI Licensed Access Required
+
+Reason: {msg}
+
+To request a licensed Access Code, contact: {BRAND_CONTACT}
+"""
+        return textwrap.dedent(locked).strip(), "{}", state
+
+    if code not in state.usage:
+        state.usage[code] = UsageEntry(ts=[])
+
+    state.usage[code].ts = clean_old(state.usage[code].ts, now)
+    used = len(state.usage[code].ts)
+
+    if used >= DAILY_QUOTA:
+        remaining_time = int((state.usage[code].ts[0] + WINDOW_SECONDS) - now)
+        hours = max(0, remaining_time // 3600)
+        minutes = max(0, (remaining_time % 3600) // 60)
+        quota_msg = f"""
+⛔ Daily quota reached for this Access Code.
+
+Quota: {DAILY_QUOTA} requests / 24h
+Next reset in: ~{hours}h {minutes}m
+
+If you need expanded access, contact: {BRAND_CONTACT}
+"""
+        state.audit.append((int(now), "quota_block", code, used))
+        return textwrap.dedent(quota_msg).strip(), "{}", state
+
+    minimum_context = f"{household_name} {partner_a} {partner_b} {expenses_raw} {goals_raw} {notes}".strip()
+    if len(minimum_context) < MIN_CHARS:
+        return (
+            f"Input rejected. Add more household context, expense rows, goals, or notes. Minimum context length: {MIN_CHARS} characters.",
+            "{}",
+            state,
+        )
+
+    state.usage[code].ts.append(now)
+    state.audit.append((int(now), "quota_consume", code, used + 1))
+
+    snapshot = build_financial_snapshot(
+        household_name,
+        partner_a,
+        partner_b,
+        monthly_income_a,
+        monthly_income_b,
+        other_income,
+        cash_reserve,
+        debt_total,
+        debt_monthly_payment,
+        expenses_raw,
+        goals_raw,
+        ai_budget,
+        bpm_projected_income,
+        expected_one_time_income,
+        horizon_months,
+        emergency_target_months,
+        stress_income_drop_pct,
+        stress_expense_increase_pct,
+        notes,
+    )
+
+    header = f"✅ Access Code: {code} | Usage: {len(state.usage[code].ts)}/{DAILY_QUOTA} rolling 24h\n\n"
+    report = header + build_human_report(snapshot)
+    return report, json.dumps(snapshot, ensure_ascii=False, indent=2), state
+
+
+EXAMPLE_EXPENSES = """Housing,900,Joint,fixed,Loan or rent
+Utilities,250,Joint,fixed,Electricity water internet
+Food,650,Joint,variable,Groceries and household
+Transport,300,Joint,variable,Fuel parking maintenance
+Health,250,Joint,variable,Medical pharmacy checkups
+Wedding/Family,400,Joint,project,Family and marriage costs
+AI Tools,250,Edin,project,Hugging Face OpenAI cloud domains
+BPM Studio,350,Edin,project,Space equipment hosting materials
+Personal Elvira,250,Elvira,personal,Personal spending
+Personal Edin,250,Edin,personal,Personal spending
+Reserve Saving,500,Joint,saving,Emergency reserve
+"""
+
+EXAMPLE_GOALS = """Emergency Reserve,12000,3000,12,Critical
+AI Factory Fund,80000,0,60,High
+Family Travel,4000,500,10,Medium
+BPM Growth Fund,10000,1000,18,High
+"""
+
+
+with gr.Blocks(theme=gr.themes.Soft()) as demo:
+    gr.Markdown(
+        f"""
+# 🧠 {TITLE}
+**{SUBTITLE}**
+
+⚠️ Research preview only.  
+FFI supports household planning, budgeting, scenario framing, and family decision preparation.  
+It does **not** provide financial advice, investment advice, tax advice, legal advice, trading signals, or execution.
+"""
+    )
+
+    state = gr.State(AccessState())
+
+    with gr.Row():
+        access_code = gr.Textbox(
+            label="FFI Access Code",
+            placeholder="e.g., FFI-EDIN-001",
+            type="password",
+        )
+
+    gr.Markdown("## 1. Household Profile")
+
+    with gr.Row():
+        household_name = gr.Textbox(label="Household Name", value="Edin & Elvira Household")
+        partner_a = gr.Textbox(label="Partner A", value="Edin")
+        partner_b = gr.Textbox(label="Partner B", value="Elvira")
+
+    gr.Markdown("## 2. Monthly Income")
+
+    with gr.Row():
+        monthly_income_a = gr.Number(label="Partner A Monthly Income", value=0)
+        monthly_income_b = gr.Number(label="Partner B Monthly Income", value=0)
+        other_income = gr.Number(label="Other Monthly Income", value=0)
+
+    with gr.Row():
+        bpm_projected_income = gr.Number(label="Projected BPM / Project Monthly Income", value=0)
+        expected_one_time_income = gr.Number(label="Expected One-Time Income", value=0)
+
+    gr.Markdown("## 3. Assets, Debt, Expenses")
+
+    with gr.Row():
+        cash_reserve = gr.Number(label="Current Cash Reserve", value=0)
+        debt_total = gr.Number(label="Total Debt", value=0)
+        debt_monthly_payment = gr.Number(label="Monthly Debt Payment", value=0)
+
+    with gr.Row():
+        ai_budget = gr.Number(label="Monthly AI / Cloud / Tools Budget", value=0)
+        emergency_target_months = gr.Slider(1, 12, value=6, step=1, label="Emergency Reserve Target Months")
+
+    expenses_raw = gr.Textbox(
+        label="Monthly Expenses CSV",
+        value=EXAMPLE_EXPENSES,
+        lines=10,
+        info="Format: category, amount, owner, type, note",
+    )
+
+    goals_raw = gr.Textbox(
+        label="Family Goals CSV",
+        value=EXAMPLE_GOALS,
+        lines=6,
+        info="Format: goal, target_amount, current_amount, deadline_months, priority",
+    )
+
+    gr.Markdown("## 4. Scenario Stress Test")
+
+    with gr.Row():
+        horizon_months = gr.Slider(3, 120, value=24, step=1, label="Planning Horizon Months")
+        stress_income_drop_pct = gr.Slider(0, 80, value=25, step=1, label="Stress: Income Drop %")
+        stress_expense_increase_pct = gr.Slider(0, 80, value=20, step=1, label="Stress: Expense Increase %")
+
+    notes = gr.Textbox(
+        label="Household Notes / Strategic Context",
+        lines=5,
+        placeholder=(
+            "Example: We want to jointly manage marriage finances, keep a reserve, fund BPM growth, "
+            "control AI/cloud costs, and prepare for larger strategic projects."
+        ),
+    )
+
+    btn = gr.Button("Generate Family Financial Intelligence Report")
+
+    gr.Markdown("## 5. Output")
+
+    report_output = gr.Textbox(
+        label="FFI Report",
+        lines=24,
+    )
+
+    json_output = gr.Code(
+        label="Structured JSON Snapshot",
+        language="json",
+    )
+
+    btn.click(
+        fn=gated_generate_report,
+        inputs=[
+            access_code,
+            household_name,
+            partner_a,
+            partner_b,
+            monthly_income_a,
+            monthly_income_b,
+            other_income,
+            cash_reserve,
+            debt_total,
+            debt_monthly_payment,
+            expenses_raw,
+            goals_raw,
+            ai_budget,
+            bpm_projected_income,
+            expected_one_time_income,
+            horizon_months,
+            emergency_target_months,
+            stress_income_drop_pct,
+            stress_expense_increase_pct,
+            notes,
+            state,
+        ],
+        outputs=[report_output, json_output, state],
+    )
+
+    gr.Markdown(
+        f"""
+---
+### Recommended Space Secrets
+
+```txt
+FFI_ACCESS_CODES=FFI-EDIN-001,FFI-CLIENT-002
+FFI_DAILY_QUOTA=10
+FFI_BRAND_CONTACT={BRAND_CONTACT}
+FFI_MIN_CHARS=30
+```
+
+### Governance Boundary
+
+FFI is a household planning and scenario-framing system.  
+It does not provide financial, investment, legal, tax, trading, or execution advice.  
+All decisions remain fully human-owned.
+
+© 2026 BPM RED Academy · HumAI MightHub
+"""
+    )
+
+
+if __name__ == "__main__":
+    demo.launch()