Update app.py

app.py

@@ -1,4 +1,3 @@
-# app.py
 import streamlit as st
 from datetime import date
 import math
@@ -7,33 +6,34 @@ import random
 from llm_utils import explain_savings_plan
 
 
-# ---------- Streamlit Page Config ----------
+# ---------------------- PAGE CONFIG ----------------------
 st.set_page_config(
     page_title="Pistol Pete SmartAgent",
     page_icon="🏠",
-    layout="centered"
+    layout="centered",
 )
 
 
-# ---------- Helpers ----------
+# ---------------------- STATE INIT -----------------------
 def init_state():
     if "step" not in st.session_state:
         st.session_state.step = 1
 
-    # User profile fields
-    st.session_state.setdefault("home_type", "I'm not sure yet")
+    # From your original JS userData object
+    st.session_state.setdefault("home_type", "")
     st.session_state.setdefault("location", "")
-    st.session_state.setdefault("timeline_bucket", 3)         # screen 3 slider (1–5)
-    st.session_state.setdefault("budget", 350000)             # used by sliders
-    st.session_state.setdefault("home_budget_raw", "")        # raw text from screen 3
+    st.session_state.setdefault("timeline_bucket", 3)   # 1–5 slider
+    st.session_state.setdefault("budget", 350000)
 
     st.session_state.setdefault("annual_income", "75000")
     st.session_state.setdefault("monthly_debt", "350")
     st.session_state.setdefault("current_savings", "12000")
 
-    # Plan controls (screen 5)
-    st.session_state.setdefault("timeline_years_plan", 4)     # 2–7 yrs in original UI
-    st.session_state.setdefault("down_pct", 20)               # 10–20
+    # Controls on Screen 5
+    st.session_state.setdefault("timeline_years_plan", 4)  # 2–7 years
+    st.session_state.setdefault("down_pct", 20)            # 10–20
+
+    # LLM output
     st.session_state.setdefault("llm_explanation", None)
 
 
@@ -51,15 +51,30 @@ def to_int(value, default):
         return default
 
 
+init_state()
+
+
+# ---------------------- GOVERNANCE SIDEBAR ----------------------
+with st.sidebar:
+    st.markdown("### 🔐 Governance & Fairness")
+    st.caption(
+        "- No protected attributes (race, gender, etc.) are used in calculations.\n"
+        "- The LLM **only** explains numbers already computed.\n"
+        "- Users can adjust timeline & budget and keep full control.\n"
+        "- This is a prototype; no real accounts or PII are stored."
+    )
+
+
+# ---------------------- HELPERS ----------------------
 def compute_savings_plan(budget, down_pct, current_savings, timeline_years):
     """
-    Port of your JS logic from updatePlanCalculations():
-      - 20% (or slider %) down payment
-      - Remaining need
-      - Months = years * 12
-      - Closing costs = 5000 / months
-      - Interest earnings via simple yearly compounding at 1.5% APY
-      - Recommended monthly = base + closing - interestEarnings
+    Port of your JS updatePlanCalculations() logic:
+    - Down payment = budget * %
+    - Remaining need
+    - Months = years * 12
+    - Closing costs = 5000 / months
+    - Interest earnings via 1.5% APY on (savings + contributions)
+    - Recommended monthly = base + closing - interestEarnings
     """
     down_payment_amount = round(budget * (down_pct / 100))
     remaining_need = max(0, down_payment_amount - current_savings)
@@ -68,7 +83,7 @@ def compute_savings_plan(budget, down_pct, current_savings, timeline_years):
     monthly_base = remaining_need / months
     closing_costs = 5000 / months
 
-    # interest earnings (same style as JS)
+    # interestEarnings (same idea as your JS)
     annual_rate = 0.015
     balance = current_savings
     total_interest = 0.0
@@ -81,9 +96,9 @@ def compute_savings_plan(budget, down_pct, current_savings, timeline_years):
 
     monthly_savings = monthly_base + closing_costs - interest_earnings
 
-    # target date (approx – same idea as JS)
     today = date.today()
     target_year = today.year + timeline_years
+    # Same month/day as today
     target_date = date(target_year, today.month, today.day)
 
     return {
@@ -101,16 +116,16 @@ def compute_savings_plan(budget, down_pct, current_savings, timeline_years):
 def compute_estimated_home_value(budget, timeline_years, location, down_pct):
     """
     Port of estimateValue() from your JS:
-      - Start with budget
-      - timelineAdjPct = ((years - 4) * 0.02)
-      - random adjustment between -15000 and +15000
-      - Pittsburgh/Lawrenceville: slight discount (0.98)
-      - Confidence from size of random adjustment + timeline
+    - Start with budget
+    - timelineAdjPct = ((years - 4) * 0.02)
+    - random adjustment ± 15k
+    - Location tweak for Pittsburgh / Lawrenceville
+    - Confidence from randAdj + timeline
     """
     base_budget = budget
     est = base_budget
 
-    rand_adj = random.randint(-15000, 15000)  # same range
+    rand_adj = random.randint(-15000, 15000)
     timeline_adj_pct = (timeline_years - 4) * 0.02
     est = round(est * (1 + timeline_adj_pct) + rand_adj)
 
@@ -118,7 +133,6 @@ def compute_estimated_home_value(budget, timeline_years, location, down_pct):
     if "pittsburgh" in loc or "lawrenceville" in loc:
         est = round(est * 0.98)
 
-    # Confidence heuristic
     if abs(rand_adj) < 6000 and timeline_years <= 5:
         confidence = "High"
     elif abs(rand_adj) < 12000:
@@ -137,26 +151,19 @@ def prev_step():
     st.session_state.step = max(1, st.session_state.step - 1)
 
 
-# ---------- App Layout ----------
-init_state()
-
+# ---------------------- PROGRESS BAR ----------------------
 st.markdown(
     "<h2 style='text-align:center;'>🏠 Pistol Pete SmartAgent</h2>",
     unsafe_allow_html=True,
 )
-st.caption(
-    "Trusted, explainable AI coach for first-home savings — adapted from your prototype UI."
-)
-
-# Progress bar (7 screens)
+st.caption("Prototype 2025 – Trusted, explainable first-home savings coach.")
 st.progress(st.session_state.step / 7.0)
-
 st.divider()
 
 step = st.session_state.step
 
 
-# ---------- Screen 1: Welcome ----------
+# ---------------------- SCREEN 1 ----------------------
 if step == 1:
     st.header("Ready to Plan for Your Home?")
     st.write(
@@ -167,15 +174,15 @@ if step == 1:
     with st.expander("How it works", expanded=True):
         st.markdown(
             "- We ask about your **home goals** and **finances**.\n"
-            "- We compute a **down payment plan** and **monthly savings**.\n"
-            "- An **LLM layer** explains the math in plain English (Screen 5).\n"
-            "- You can always **adjust timeline and budget**, and see changes instantly."
+            "- We create a **down-payment savings plan**.\n"
+            "- You can see the **exact math** and adjust your own timeline and budget.\n"
+            "- An **LLM explainer** turns the numbers into plain-English explanations."
         )
 
     st.button("Start Your Personalized Plan ➜", on_click=next_step)
 
 
-# ---------- Screen 2: Home Goals ----------
+# ---------------------- SCREEN 2 ----------------------
 elif step == 2:
     st.header("Let's Build Your Home Plan Together")
     st.write("Tell us about your dream home — this helps us create a plan that's right for you.")
@@ -183,7 +190,8 @@ elif step == 2:
     st.session_state.home_type = st.radio(
         "What type of home are you dreaming of?",
         ["Single-Family Home", "Townhouse", "Condominium", "I'm not sure yet"],
-        index=["Single-Family Home", "Townhouse", "Condominium", "I'm not sure yet"].index(
+        index=3 if st.session_state.home_type == "" else
+        ["Single-Family Home", "Townhouse", "Condominium", "I'm not sure yet"].index(
             st.session_state.home_type
         ),
     )
@@ -201,7 +209,7 @@ elif step == 2:
         st.button("Continue ➜", on_click=next_step, key="next_2")
 
 
-# ---------- Screen 3: Timeline & Budget ----------
+# ---------------------- SCREEN 3 ----------------------
 elif step == 3:
     st.header("Your Timeline & Budget")
     st.write("Now let's talk about when you'd like to buy and your comfortable budget range.")
@@ -211,7 +219,6 @@ elif step == 3:
         min_value=1,
         max_value=5,
         value=st.session_state.timeline_bucket,
-        help="This is your rough comfort range. We'll use a more precise timeline later.",
     )
 
     def bucket_label(b):
@@ -225,20 +232,24 @@ elif step == 3:
 
     st.caption(f"Selected range: **{bucket_label(st.session_state.timeline_bucket)}**")
 
-    st.session_state.home_budget_raw = st.text_input(
+    # Raw budget input
+    home_budget_raw = st.text_input(
         "What is your comfortable estimated home budget?",
-        value=st.session_state.home_budget_raw,
+        value=str(st.session_state.budget),
         placeholder="e.g., 350000",
     )
+    st.session_state.budget = to_int(home_budget_raw, st.session_state.budget)
 
     if st.session_state.location and any(
         k in st.session_state.location.lower() for k in ["pittsburgh", "lawrenceville"]
     ):
-        st.info("We see average prices in Lawrenceville are around ~$350,000 (illustrative).")
+        st.info("We see average prices in Lawrenceville are ~ $350,000 (illustrative).")
 
-    # If user typed a budget, pre-seed numeric slider state for later screens
-    parsed_budget = to_int(st.session_state.home_budget_raw, st.session_state.budget)
-    st.session_state.budget = parsed_budget
+    st.checkbox(
+        "Let our AI calculate a budget for me based on my finances (concept only)",
+        value=False,
+        help="For this prototype, the slider/budget is still user-controlled.",
+    )
 
     col1, col2 = st.columns(2)
     with col1:
@@ -247,7 +258,7 @@ elif step == 3:
         st.button("Continue ➜", on_click=next_step, key="next_3")
 
 
-# ---------- Screen 4: Financial Picture ----------
+# ---------------------- SCREEN 4 ----------------------
 elif step == 4:
     st.header("Your Financial Snapshot")
     st.write(
@@ -255,7 +266,7 @@ elif step == 4:
         "Verify or update any of the details below."
     )
 
-    st.info("We value your privacy. This information is used only to create your plan.")
+    st.info("We value your privacy. This information is used only to create your plan and is not sold.")
 
     st.session_state.annual_income = st.text_input(
         "Annual Gross Income",
@@ -266,13 +277,13 @@ elif step == 4:
     st.session_state.monthly_debt = st.text_input(
         "Monthly Debt Payments",
         value=st.session_state.monthly_debt,
-        help="Credit cards, loans, etc.",
+        help="Example: credit cards, loans",
     )
 
     st.session_state.current_savings = st.text_input(
         "Current Down Payment Savings",
         value=st.session_state.current_savings,
-        help="Savings accounts earmarked for housing.",
+        help="Example: savings accounts",
     )
 
     col1, col2 = st.columns(2)
@@ -282,7 +293,7 @@ elif step == 4:
         st.button("Generate My Home Plan ➜", on_click=next_step, key="next_4")
 
 
-# ---------- Screen 5: AI Recommendation Dashboard ----------
+# ---------------------- SCREEN 5 ----------------------
 elif step == 5:
     st.header("Your Personalized Home Plan")
 
@@ -292,13 +303,13 @@ elif step == 5:
         "here's your tailored savings roadmap."
     )
 
-    # Numeric values from state
+    # Collect numeric values
     budget = st.session_state.budget
     income = to_int(st.session_state.annual_income, 75000)
     debt = to_int(st.session_state.monthly_debt, 350)
     savings = to_int(st.session_state.current_savings, 12000)
 
-    # --- Adjust Your Plan (sliders) ---
+    # -------- Adjust Your Plan (Control Panel) --------
     st.subheader("Adjust Your Plan")
 
     colA, colB = st.columns(2)
@@ -324,29 +335,27 @@ elif step == 5:
         max_value=20,
         step=5,
         value=st.session_state.down_pct,
-        help="Below 20% may require Private Mortgage Insurance (PMI).",
     )
 
     if st.session_state.down_pct < 20:
         st.warning("A down payment below 20% may require Private Mortgage Insurance (PMI).")
 
-    # --- Core plan calculations ---
+    # Recompute plan with updated values
+    budget = st.session_state.budget
     plan = compute_savings_plan(
-        budget=st.session_state.budget,
+        budget=budget,
         down_pct=st.session_state.down_pct,
         current_savings=savings,
         timeline_years=st.session_state.timeline_years_plan,
     )
 
-    # ---------- Savings Timeline Card ----------
+    # -------- Savings Timeline Card --------
     st.subheader("Savings Timeline")
-    today_col, _, goal_col = st.columns([1, 2, 1])
-
-    with today_col:
+    col_today, _, col_goal = st.columns([1, 2, 1])
+    with col_today:
         st.caption("Today")
         st.markdown(f"**${savings:,.0f}**")
-
-    with goal_col:
+    with col_goal:
         st.caption("Goal")
         st.markdown(f"**${plan['down_payment_amount']:,.0f}**")
 
@@ -357,29 +366,29 @@ elif step == 5:
 
     st.divider()
 
-    # ---------- AI Recommendation ----------
+    # -------- AI Recommendation Card --------
     st.subheader("AI Recommendation")
     st.write(
         f"To reach your goal in **{st.session_state.timeline_years_plan} years**, "
         "we recommend saving:"
     )
-
     st.markdown(
-        f"<div style='font-size:32px;font-weight:800;text-align:center;'>"
-        f"${plan['monthly_savings']:,.0f} / month</div>",
+        f"<div style='font-size:32px;font-weight:800;color:#D96932;text-align:center;'>"
+        f"${plan['monthly_savings']:,.0f}/month</div>",
         unsafe_allow_html=True,
     )
+    st.caption("Confidence: **High** (demo).")
 
-    st.caption(
-        "Confidence: **High** (demo). In production, this can reflect stability of income, "
-        "DTI, and housing market predictability."
+    st.write(
+        "💡 **Why this level?** Your income and debts produce a debt-to-income profile that "
+        "supports this plan, plus predictable regional assumptions for this demo."
     )
 
-    # ---------- LLM Explanation Layer ----------
-    st.markdown("#### Explanation (LLM)")
+    # -------- LLM Explanation Layer --------
+    st.markdown("#### Explanation (AI Coach)")
 
     payload = {
-        "home_budget": st.session_state.budget,
+        "home_budget": budget,
         "down_payment_percent": st.session_state.down_pct,
         "down_payment_amount": plan["down_payment_amount"],
         "current_savings": savings,
@@ -392,16 +401,16 @@ elif step == 5:
     }
 
     if st.button("Explain this plan with AI"):
-        with st.spinner("Calling trusted AI explainer..."):
+        with st.spinner("Generating a plain-English explanation..."):
             explanation = explain_savings_plan(payload)
             st.session_state.llm_explanation = explanation
 
     if st.session_state.llm_explanation:
         st.info(st.session_state.llm_explanation)
     else:
-        st.caption("Click **'Explain this plan with AI'** to see a plain-English summary.")
+        st.caption("Click the button above to see the AI Coach explain your plan in simple terms.")
 
-    # ---------- “See the AI’s Math” ----------
+    # -------- See the AI's Math (Accordion-like) --------
     with st.expander("See the AI's Math"):
         st.write(
             f"**Target Down Payment ({st.session_state.down_pct}%):** "
@@ -409,12 +418,18 @@ elif step == 5:
         )
         st.write(f"**− Current Savings:** ${savings:,.0f}")
         st.write(f"**= Remaining Need:** ${plan['remaining_need']:,.0f}")
-        st.write(f"**÷ Months in Timeline ({plan['months']})** = "
-                 f"${plan['monthly_base']:,.0f} base / month")
-        st.write(f"**+ Estimated Closing Costs (≈ $5,000 / {plan['months']}):** "
-                 f"+ ${plan['closing_costs']:,.0f}")
-        st.write(f"**− Projected Interest on Savings (@1.5% APY):** "
-                 f"− ${plan['interest_earnings']:,.0f}")
+        st.write(
+            f"**÷ Months in Timeline ({plan['months']}):** "
+            f"${plan['monthly_base']:,.0f} base / month"
+        )
+        st.write(
+            f"**+ Estimated Closing Costs (≈ $5,000 / {plan['months']}):** "
+            f"+ ${plan['closing_costs']:,.0f}"
+        )
+        st.write(
+            f"**− Projected Interest on Savings (@1.5% APY):** "
+            f"− ${plan['interest_earnings']:,.0f}"
+        )
         st.write(
             f"**= Recommended Monthly Savings:** "
             f"${plan['monthly_savings']:,.0f} / month"
@@ -429,7 +444,7 @@ elif step == 5:
         st.button("Next Steps ➜", on_click=next_step, key="next_5")
 
 
-# ---------- Screen 6: Next Steps & Product Recommendations ----------
+# ---------------------- SCREEN 6 ----------------------
 elif step == 6:
     st.header("Tools to Help You Succeed")
     st.write("Based on your plan, here are products and support options to accelerate progress.")
@@ -437,26 +452,26 @@ elif step == 6:
     savings = to_int(st.session_state.current_savings, 12000)
 
     # Product 1
-    st.subheader("PNC-style Product: High-Yield “Home Fund” Savings Account (Concept)")
+    st.subheader("PRODUCT – High-Yield “Home Fund” Savings Account (Concept)")
     st.write(
-        f"Based on your current savings of **${savings:,.0f}**, "
-        "you could earn **more interest** in a high-yield account compared to a basic savings account."
+        f"Based on your current savings of **${savings:,.0f}**, you could earn "
+        f"**more interest** per year in a high-yield account compared to a basic account."
     )
     st.caption("Why we suggest this: to maximize your savings growth with minimal risk.")
 
     st.divider()
 
     # Product 2
-    st.subheader("Service: Consider a Home Loan Pre-approval (Concept)")
+    st.subheader("SERVICE – Consider a Home Loan Pre-approval (Concept)")
     st.write(
-        "A pre-approval helps clarify your budget and shows sellers you're serious. "
-        "Many successful buyers get pre-approved early in the process."
+        "A pre-approval helps clarify your budget. Many buyers who succeed "
+        "get pre-approved early in the process."
     )
     st.caption("Why we suggest this: to reduce uncertainty and strengthen your offers.")
 
     st.divider()
 
-    # Human Agent contact form
+    # Human contact form (replaces modal)
     st.subheader("Prefer to Speak with a Human Agent?")
     with st.form("contact_form"):
         name = st.text_input("Full name")
@@ -479,9 +494,9 @@ elif step == 6:
         st.button("Save & Estimate Value ➜", on_click=next_step, key="next_6")
 
 
-# ---------- Screen 7: Estimated Home Value ----------
+# ---------------------- SCREEN 7 ----------------------
 elif step == 7:
-    st.header("Your Estimated Home Value (Illustrative)")
+    st.header("Your Estimated Home Value")
 
     budget = st.session_state.budget
     down_pct = st.session_state.down_pct
@@ -496,10 +511,10 @@ elif step == 7:
     )
 
     st.markdown(
-        f"<div style='background:#fff7eb;padding:18px;border-radius:12px;"
-        f"text-align:center;border:1px solid #f0d2a3;'>"
-        f"<h2 style='color:#D96932;font-size:34px;'>${est_value:,.0f}</h2>"
-        f"<p>Estimated probable home value given your inputs (for demo only).</p>"
+        f"<div style='background:#FFF8EC;border-radius:12px;padding:18px;"
+        f"box-shadow:0 6px 18px rgba(217,105,50,0.08);text-align:center;'>"
+        f"<h2 style='font-size:34px;color:#D96932;'>${est_value:,.0f}</h2>"
+        f"<p>Estimated probable home value given your inputs (illustrative only).</p>"
         f"<p>Confidence: <strong>{confidence}</strong></p>"
         f"</div>",
         unsafe_allow_html=True,
@@ -507,8 +522,9 @@ elif step == 7:
 
     st.subheader("How we estimate")
     st.write(
-        "This demo estimate combines your input budget, timeline, and a simple heuristic. "
-        "In a production system, we would integrate MLS or public-record APIs for more accurate values."
+        "We combine your desired budget, regional assumptions (if you supplied a location), "
+        "and timeline to produce a probable value. In production, MLS or public-record APIs "
+        "would provide more accurate estimates."
     )
 
     colA, colB = st.columns(2)
@@ -516,7 +532,7 @@ elif step == 7:
         st.markdown("**Input Budget**")
         st.markdown(f"${budget:,.0f}")
     with colB:
-        st.markdown("**Down Payment**")
+        st.markdown("**Down Payment (approx)**")
         st.markdown(f"${round(budget * down_pct / 100):,.0f}")
 
     st.divider()
@@ -526,5 +542,4 @@ elif step == 7:
         st.button("⬅ Back", on_click=prev_step, key="back_7")
     with col2:
         if st.button("Finish & Save"):
-            st.success("Your plan summary has been saved (demo).")
-            st.info("On Hugging Face, you can reset the app by refreshing the page.")
+            st.success("Your plan summary has been saved (demo only). Refresh to start over.")