Update llm_utils.py

llm_utils.py

@@ -1,25 +1,23 @@
+# src/llm_utils.py
 import os
 from openai import OpenAI
 
 # You can either:
-# 1) Set OPENAI_API_KEY in Hugging Face Secrets
-# 2) Or replace "YOUR_OPENAI_API_KEY" with your key directly (less secure)
-API_KEY = os.getenv("OPENAI_API_KEY", "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")
+# - Set OPENAI_API_KEY as a secret in Hugging Face, OR
+# - Replace "YOUR_OPENAI_API_KEY" directly (less secure)
+API_KEY = os.getenv("OPENAI_API_KEY", "YOUR_OPENAI_API_KEY")
 
 client = OpenAI(api_key=API_KEY)
 
 
 def explain_savings_plan(payload: dict) -> str:
     """
-    Uses a small LLM model to turn the numeric savings plan into a
-    short, plain-English explanation.
-
+    Calls a small LLM model to explain the numeric savings plan.
     Guardrails:
-    - MUST NOT invent any new numbers
-    - Only uses fields in payload
-    - Explanation only; no decision-making
+    - Do NOT invent new numbers
+    - Use ONLY fields from payload
+    - Explanation-only; no decisions
     """
-
     system_prompt = """
 You are an AI assistant that explains home down-payment savings plans for first-time buyers.
 You MUST NOT invent or change any numeric values.
@@ -46,10 +44,10 @@ Be neutral, concise, and non-promotional.
         explanation = completion.choices[0].message.content.strip()
         return explanation
     except Exception:
-        # Safe fallback explanation if LLM is unavailable
+        # Safe fallback if LLM fails
         return (
             "We calculated your recommended monthly savings using your home budget, "
             "target down payment percentage, current savings, and chosen timeline. "
-            "The remaining amount needed is spread over the available months, "
-            "with estimated closing costs added and expected interest on savings subtracted."
+            "The remaining amount is spread over the available months, with estimated "
+            "closing costs added and expected interest on savings subtracted."
         )