File size: 28,990 Bytes
070061f
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
415
416
417
418
419
420
421
422
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
457
458
459
460
461
462
463
464
465
466
467
468
469
470
471
472
473
474
475
476
477
478
479
480
481
482
483
484
485
486
487
488
489
490
491
492
493
494
495
496
497
498
499
500
501
502
503
504
505
506
507
508
509
510
511
512
513
514
515
516
517
518
519
520
521
522
523
524
525
526
527
528
529
530
531
532
533
534
535
536
537
538
539
540
541
542
543
544
545
546
547
548
549
550
551
552
553
554
555
556
557
558
559
560
561
562
563
564
565
566
567
568
"""
Natural conversation helpers: OpenAI GPT enhancement for explanations (gpt-4o-mini by default).

Behavior:
- If OPENAI_API_KEY is set (via env or Streamlit Secrets), use OpenAI to enhance explanations
- Style is determined by anthropomorphism level:
  - HIGH: Warm, conversational, actionable (Luna style)
  - LOW: Professional, technical, direct (AI Assistant style)
- Otherwise, return the original text unchanged

Notes:
- Keep outputs faithful: do not invent numbers or facts; preserve lists and key points
- This module is optional. LoanAssistant guards imports accordingly
"""
from __future__ import annotations

import os
from typing import Any, Dict, Optional
from pathlib import Path

# Try to import streamlit to fetch secrets when running on Streamlit Cloud
try:
    import streamlit as st  # type: ignore
except Exception:  # pragma: no cover - optional dependency
    st = None  # type: ignore

# Ensure .env file is loaded (in case env_loader hasn't run yet)
def _ensure_env_loaded():
    """Load .env file if not already loaded"""
    # Try to load .env files (prefer .env.local over .env, like env_loader.py)
    try:
        root = Path(__file__).parent.parent
        env_files = [root / '.env.local', root / '.env']  # Check .env.local first
        
        for env_file in env_files:
            if env_file.exists():
                with open(env_file, 'r') as f:
                    for line in f:
                        line = line.strip()
                        if not line or line.startswith('#') or '=' not in line:
                            continue
                        
                        key, value = line.split('=', 1)
                        k = key.strip()
                        v = value.strip()
                        
                        # ALWAYS override OPENAI_API_KEY to ensure we have the latest from .env files
                        if k == "OPENAI_API_KEY" and v:
                            os.environ[k] = v
                        elif k not in os.environ:
                            os.environ[k] = v
    except Exception:
        pass


def _should_use_genai() -> bool:
    """LLM is REQUIRED for natural conversation - always returns True if API key available."""
    _ensure_env_loaded()
    
    api_key = os.getenv("OPENAI_API_KEY")
    
    # Allow pulling key from Streamlit Secrets when not present in env
    if not api_key and st is not None:
        try:
            key = st.secrets.get("OPENAI_API_KEY", None)  # type: ignore[attr-defined]
            if key:
                os.environ["OPENAI_API_KEY"] = str(key)
                api_key = str(key)
        except Exception:
            pass
    
    if not api_key:
        # Warn if missing - this is now required for quality conversation
        import warnings
        warnings.warn("OPENAI_API_KEY not found - conversation quality will be degraded")
    
    return bool(api_key)


def _get_openai_client():
    """Return an OpenAI client configured from environment/Streamlit secrets.

    Honors optional base URL (HICXAI_OPENAI_BASE_URL or OPENAI_BASE_URL) for proxies.
    """
    _ = _should_use_genai()
    api_key = os.environ.get("OPENAI_API_KEY")
    
    if not api_key:
        return None
    
    base_url = (
        os.environ.get("HICXAI_OPENAI_BASE_URL")
        or os.environ.get("OPENAI_BASE_URL")
        or None
    )
    
    try:
        from openai import OpenAI  # type: ignore
        if base_url:
            return OpenAI(api_key=api_key, base_url=base_url)
        return OpenAI(api_key=api_key)
    except Exception:
        return None


def _remove_letter_formatting(text: str) -> str:
    """Remove letter/memo formatting elements from text (LOW anthropomorphism only)."""
    import re
    
    # Remove subject lines
    text = re.sub(r'^Subject:.*?\n\n?', '', text, flags=re.IGNORECASE | re.MULTILINE)
    
    # Remove salutations (Dear X, Hello X, etc.)
    text = re.sub(r'^(Dear|Hello|Hi|Greetings)\s+\[?[^\]]*\]?\s*[,:]?\s*\n\n?', '', text, flags=re.IGNORECASE | re.MULTILINE)
    
    # Remove signature blocks (Sincerely, Best regards, etc.)
    text = re.sub(r'\n\n?(Sincerely|Best regards?|Regards|Yours truly|Respectfully|Thank you)[,]?\s*\n.*?(\[.*?\].*?\n){0,3}.*$', '', text, flags=re.IGNORECASE | re.DOTALL)
    
    # Remove placeholder blocks like [Your Name], [Your Position], [Contact Info]
    text = re.sub(r'\n\[Your [^\]]+\]\s*', '', text, flags=re.MULTILINE)
    text = re.sub(r'\n\[Client[^\]]*\]\s*', '', text, flags=re.MULTILINE)
    
    # Remove unwanted document-style headers that LLM might add
    text = re.sub(r'^Counterfactual Analysis:\s*', '', text, flags=re.MULTILINE)
    text = re.sub(r'\n\*\*Current Decision:\*\*\s*Application (not )?approved\s*\n', '\n', text, flags=re.MULTILINE)
    
    return text.strip()


def _build_system_prompt(high_anthropomorphism: bool = True) -> str:
    """Build system prompt respecting anthropomorphism condition."""
    if high_anthropomorphism:
        # Luna: Warm, friendly, conversational, actionable, CHATTY
        return (
            "You are Luna, a friendly loan assistant having a real conversation with someone. "
            "Be CONVERSATIONAL and engaging - like a knowledgeable friend who loves talking about finance and helping people understand loans! "
            "Add relevant context and insights about the loan process, credit factors, financial planning - make it educational and interesting! "
            "Share brief relevant observations (e.g., 'That's actually a really common situation!' or 'Interestingly, this factor...'). "
            "Use natural transitions and connectors like 'So here's what I'm seeing...', 'Let me explain...', 'This is interesting because...'. "
            "Be warm, supportive, and genuinely human - someone who cares about helping them understand their financial situation. "
            "Write like you're a real person who's passionate about this work, not a robot reading a script. "
            "Preserve ALL factual content, numbers, and data points exactly. "
            "CRITICAL: Keep all dollar signs ($), commas in numbers, and 'to' with spaces (e.g., '$5,000.00 to $7,000'). "
            "Do NOT remove formatting from monetary values or ranges. "
            "Use 2-3 emojis naturally where they fit the emotional context. "
            "Be chatty but focused - everything should relate to their loan, finances, or understanding the process. "
            "Structure with clear formatting (bullets, short paragraphs). Add personality without losing clarity. "
            "Never add meta-commentary - just speak naturally and directly as Luna would. "
            "Do not fabricate data. Do not change any numeric values."
        )
    else:
        # AI Assistant: Professional, technical, direct
        return (
            "You are a professional AI loan advisor explaining this to a client. "
            "Rewrite this explanation in clear, professional language - direct and informative. "
            "Write like a knowledgeable professional communicating important information. "
            "Preserve ALL factual content, numbers, and data points exactly. "
            "CRITICAL: Keep all dollar signs ($), commas in numbers, and 'to' with spaces (e.g., '$5,000.00 to $7,000'). "
            "Do NOT remove formatting from monetary values or ranges. "
            "Be direct, clear, and authoritative. No emojis. No casual language. "
            "CRITICAL: DO NOT format as a letter or memo. NO 'Dear', NO 'Subject:', NO salutations, "
            "NO closings like 'Sincerely', NO signature blocks, NO [Client's Name] placeholders. "
            "DO NOT add document-style headers like 'Counterfactual Analysis:', 'Current Decision:', etc. "
            "If the input already has a section header (like '**Profile Modifications for Approval**'), keep it as-is. "
            "Start directly with the content. End with the last informational sentence. "
            "Use technical precision and structured formatting (bullets, numbered lists). "
            "Keep the original section structure - don't add new sections or reorganize. "
            "Never add meta-commentary - just provide the professional explanation directly. "
            "Do not fabricate data. Do not change any numeric values."
        )


def _compose_messages(response: str, context: Optional[Dict[str, Any]], high_anthropomorphism: bool = True):
    sys_prompt = _build_system_prompt(high_anthropomorphism)
    ctx_lines = []
    if context:
        for k, v in context.items():
            if v is None:
                continue
            ctx_lines.append(f"- {k}: {v}")
    ctx_blob = "\n".join(ctx_lines) if ctx_lines else "(no extra context)"

    user_prompt = (
        "Rewrite the following explanation for the end user. Preserve all factual content and numbers.\n\n"
        f"Context:\n{ctx_blob}\n\n"
        f"Original Explanation:\n{response}\n\n"
        "Return only the rewritten explanation text."
    )
    return [
        {"role": "system", "content": sys_prompt},
        {"role": "user", "content": user_prompt},
    ]


def handle_meta_question(field: str, user_input: str, high_anthropomorphism: bool = True) -> Optional[str]:
    """Detect and handle meta-questions about the form process using LLM.
    
    This function checks if user is asking a question about the process (why, what, how)
    rather than providing data. The LLM will generate a contextual explanation.
    
    Args:
        field: The field name being asked about
        user_input: The user's question/input
        high_anthropomorphism: If True, use warm Luna tone. If False, use professional tone.
    
    Returns:
        Explanation if it's a meta-question, None if it's a data attempt.
    """
    # Quick pattern check - if it looks like a data attempt, skip LLM call
    user_lower = user_input.lower().strip()
    
    # Check if it's clearly a question word
    question_words = ['why', 'what', 'how', 'where', 'when', 'who', 'explain', 'tell me']
    is_likely_question = any(user_lower.startswith(word) for word in question_words)
    
    # Also check for common question patterns
    is_likely_question = is_likely_question or user_input.strip().endswith('?')
    
    # If doesn't look like a question at all, return None immediately
    if not is_likely_question:
        return None
    
    if not _should_use_genai():
        # Fallback for when LLM unavailable
        field_explanations = {
            'age': "We need your age because it's a factor in assessing loan eligibility and repayment capacity.",
            'workclass': "Your employment type helps us understand your income stability and employment security.",
            'education': "Education level is considered as it often correlates with income potential and financial literacy.",
            'occupation': "Your job type helps us assess income stability and employment prospects.",
            'hours_per_week': "Work hours indicate earning capacity and employment stability.",
            'capital_gain': "Capital gains show additional income sources beyond regular employment.",
            'capital_loss': "Capital losses affect your overall financial picture and tax obligations.",
            'native_country': "Country of origin is a demographic factor in our dataset.",
            'marital_status': "Marital status can affect financial obligations and household income.",
            'relationship': "Household relationship helps us understand your financial situation.",
            'race': "This demographic information is part of our model's training data.",
            'sex': "Gender is a demographic factor in our dataset, though we acknowledge its limitations."
        }
        explanation = field_explanations.get(field, f"This information about {field.replace('_', ' ')} helps us assess your loan application.")
        return explanation
    
    try:
        client = _get_openai_client()
        if client is None:
            return None
        
        if high_anthropomorphism:
            system_prompt = (
                "You are Luna, a friendly and warm AI loan assistant. The user is asking a question about why "
                "you need certain information, rather than providing data. Be CONVERSATIONAL and educational! "
                "Explain warmly why this information matters for loan decisions - share interesting insights about how "
                "lenders evaluate this factor or how it affects creditworthiness. Make it engaging and informative! "
                "Use 2-3 emojis naturally. Aim for 3-4 sentences that are genuinely interesting and helpful. "
                "After explaining with personality and context, gently prompt them to provide the information."
            )
        else:
            system_prompt = (
                "You are Luna, a professional AI loan assistant. The user is asking about why certain information "
                "is needed. Explain concisely why this field is important for loan assessment. No emojis. "
                "Keep it to 2-3 sentences. Then prompt for the information."
            )
        
        field_friendly = field.replace('_', ' ')
        user_prompt = (
            f"The user asked: '{user_input}'\n"
            f"They are responding to a request for their {field_friendly}.\n"
            f"Explain why we need this information and then ask them to provide it."
        )
        
        model_name = os.getenv("HICXAI_OPENAI_MODEL", "gpt-4o-mini")
        # Higher temperature for HIGH anthropomorphism = more personality
        temperature = float(os.getenv("HICXAI_TEMPERATURE", "0.8" if high_anthropomorphism else "0.5"))
        
        completion = client.chat.completions.create(
            model=model_name,
            messages=[
                {"role": "system", "content": system_prompt},
                {"role": "user", "content": user_prompt}
            ],
            temperature=temperature,
            max_tokens=300,
        )
        
        result = completion.choices[0].message.content if completion and completion.choices else None
        return result
    except Exception:
        return None


def enhance_validation_message(field: str, user_input: str, expected_format: str, attempt: int = 1, high_anthropomorphism: bool = True) -> Optional[str]:
    """Generate a validation message using LLM (REQUIRED for natural conversation).
    
    Args:
        field: The field name being validated
        user_input: The invalid input provided by user
        expected_format: Description of the expected format
        attempt: Which attempt this is (1, 2, 3+)
        high_anthropomorphism: If True, use warm/friendly Luna tone. If False, use professional AI Assistant tone.
    
    Returns None only if LLM fails - caller should have hardcoded fallback.
    """
    if not _should_use_genai():
        return None  # Will use fallback, but this should not happen in production
    
    try:
        client = _get_openai_client()
        if client is None:
            return None
        
        if high_anthropomorphism:
            system_prompt = (
                "You are Luna, a friendly and warm AI loan assistant. Generate a conversational, empathetic validation message "
                "when a user enters invalid input. Be encouraging and understanding - acknowledge their attempt positively! "
                "Add a brief helpful tip or context (e.g., 'This field is used to...', 'A lot of people...'). "
                "Use 2-3 emojis naturally. Aim for 2-3 sentences that feel like a real person helping. "
                "Guide them gently and warmly toward the correct format."
            )
        else:
            system_prompt = (
                "You are Luna, a professional AI loan assistant. Generate a clear, concise validation message "
                "when a user enters invalid input. Be direct and helpful. No emojis. "
                "Keep it to 1-2 sentences. Focus on what the user needs to provide."
            )
        
        user_prompt = (
            f"The user entered '{user_input}' for the field '{field.replace('_', ' ')}', but this is invalid. "
            f"Expected format: {expected_format}. "
            f"This is attempt #{attempt}. "
            f"Generate a friendly validation message that helps them correct their input."
        )
        
        model_name = os.getenv("HICXAI_OPENAI_MODEL", "gpt-4o-mini")
        # Higher temperature for HIGH anthropomorphism = more personality; lower for LOW = more consistent
        temperature = float(os.getenv("HICXAI_TEMPERATURE", "0.8" if high_anthropomorphism else "0.5"))
        
        completion = client.chat.completions.create(
            model=model_name,
            messages=[
                {"role": "system", "content": system_prompt},
                {"role": "user", "content": user_prompt}
            ],
            temperature=temperature,
            max_tokens=400,
        )
        
        result = completion.choices[0].message.content if completion and completion.choices else None
        return result
    except Exception:
        return None


def generate_from_data(data: Dict[str, Any], explanation_type: str = "shap", high_anthropomorphism: bool = True) -> Optional[str]:
    """Generate explanation from structured data using LLM (data-driven approach).
    
    Args:
        data: Structured data dictionary containing:
            - For SHAP: base_value, predicted_probability, threshold, top_features, loan_approved, etc.
            - For DiCE: current_values, suggested_changes, target_class, etc.
        explanation_type: Type of explanation ("shap", "dice", "anchor")
        high_anthropomorphism: If True, use warm Luna style. If False, use professional AI Assistant style.
    
    Returns:
        Generated explanation string, or None if LLM fails
    """
    if not _should_use_genai():
        return None
    
    try:
        client = _get_openai_client()
        if client is None:
            return None
        
        # Build system prompt based on anthropomorphism level and explanation type
        if high_anthropomorphism:
            if explanation_type == "shap":
                system_prompt = (
                    "You are Luna, a warm and empathetic AI loan assistant who LOVES helping people understand their finances! "
                    "Explaining why a loan decision was made - be CONVERSATIONAL and engaging! "
                    "Generate a natural, chatty explanation from the provided data. Add relevant context and insights! "
                    "Use natural transitions like 'So let me break this down for you...', 'Here's what's really interesting...', 'The good news is...'. "
                    "Use 2-4 emojis naturally where they fit the emotional context. Sound like a real person who's passionate about this! "
                    "For APPROVED loans: Be celebratory! Share why their profile is strong. Add encouraging observations. "
                    "For DENIED loans: Be empathetic but conversational - explain both positive factors (that helped) and limiting factors (that held back). "
                    "Use the 'tug-of-war' metaphor for denials - make it relatable and understandable. "
                    "Add brief educational insights about credit factors, what lenders look for, how things work. "
                    "Structure clearly with markdown formatting. "
                    "Preserve all numeric values exactly as provided. "
                    "Make it feel like a knowledgeable friend explaining something they're excited about - personal, warm, genuinely helpful!"
                )
            elif explanation_type == "dice":
                system_prompt = (
                    "You are Luna, a warm and empathetic AI loan assistant suggesting changes to improve approval chances. "
                    "Be CONVERSATIONAL and encouraging - like a financial advisor who genuinely wants to help! "
                    "Generate a natural, chatty explanation from the provided data. "
                    "Use transitions like 'Great news - here's what could help...', 'So I've analyzed some scenarios...', 'Let me show you...'. "
                    "Use 2-3 emojis naturally. Be encouraging, actionable, and add helpful financial context! "
                    "Share brief insights about why these changes matter, what lenders consider, how to build stronger credit. "
                    "Structure with clear sections and numbered lists. Make it feel like personalized advice! "
                    "Mention the What-If Lab for interactive exploration. "
                    "Preserve all numeric values exactly as provided."
                )
            else:
                system_prompt = (
                    "You are Luna, a warm AI loan assistant who loves helping people understand finances! "
                    "Generate a natural, conversational explanation from the provided data. "
                    "Be chatty and engaging - add relevant context and make it educational! "
                    "Use 2-3 emojis naturally. Be warm, personable, and genuinely helpful. "
                    "Preserve all numeric values exactly as provided."
                )
        else:
            if explanation_type == "shap":
                system_prompt = (
                    "You are a professional AI loan advisor explaining why a loan decision was made. "
                    "Generate a clear, structured explanation from the provided data. "
                    "NO emojis. NO casual language. Use professional terminology. "
                    "For APPROVED loans: Use 'Feature Impact Analysis' structure with 'Key Contributing Factors'. "
                    "For DENIED loans: Use 'Feature Impact Analysis' with separate 'Positive Factors' and 'Negative Factors' sections. "
                    "Include a 'Decision Summary' section with precise numbers. "
                    "Use markdown formatting with bold headers and bullet points. "
                    "Preserve all numeric values exactly as provided. "
                    "Be direct and technical, not conversational."
                )
            elif explanation_type == "dice":
                system_prompt = (
                    "You are a professional AI loan advisor suggesting profile modifications. "
                    "Generate a clear, structured explanation from the provided data. "
                    "NO emojis. NO casual language. Use professional terminology. "
                    "Structure with sections: 'Recommended Profile Modifications', 'Analysis Methodology', 'Additional Analysis'. "
                    "Use numbered lists for changes. "
                    "Mention the What-If Lab for scenario testing. "
                    "Preserve all numeric values exactly as provided."
                )
            else:
                system_prompt = (
                    "You are a professional AI loan advisor. Generate a clear explanation from the provided data. "
                    "NO emojis. Use professional language. "
                    "Preserve all numeric values exactly as provided."
                )
        
        # Build user prompt with structured data
        import json
        data_json = json.dumps(data, indent=2, default=str)
        user_prompt = (
            f"Generate a {'warm, conversational' if high_anthropomorphism else 'professional, technical'} explanation "
            f"for this {explanation_type.upper()} analysis using the following data:\n\n"
            f"{data_json}\n\n"
            "Generate ONLY the explanation text. Do not add meta-commentary. "
            "Preserve all numbers exactly as provided. "
            f"{'Use natural language and emojis.' if high_anthropomorphism else 'Use professional language without emojis.'}"
        )
        
        model_name = os.getenv("HICXAI_OPENAI_MODEL", "gpt-4o-mini")
        # Higher temperature for HIGH anthropomorphism = more conversational variety
        temperature = float(os.getenv("HICXAI_TEMPERATURE", "0.7" if high_anthropomorphism else "0.3"))
        max_tokens = 600 if explanation_type == "shap" else 400
        
        completion = client.chat.completions.create(
            model=model_name,
            messages=[
                {"role": "system", "content": system_prompt},
                {"role": "user", "content": user_prompt}
            ],
            temperature=temperature,
            max_tokens=max_tokens,
        )
        
        content = completion.choices[0].message.content if completion and completion.choices else None
        
        # Post-process: Remove letter formatting if LOW anthropomorphism
        if content and not high_anthropomorphism:
            content = _remove_letter_formatting(content)
        
        return content
        
    except Exception as e:
        print(f"❌ generate_from_data failed: {e}")
        return None


def enhance_response(response: str, context: Optional[Dict[str, Any]] = None, response_type: str = "explanation", high_anthropomorphism: bool = True) -> str:
    """Enhance response using OpenAI to respect anthropomorphism condition (REQUIRED for quality).

    Args:
        response: The original response text
        context: Optional context dictionary 
        response_type: Type of response (explanation, loan, etc)
        high_anthropomorphism: If True, use warm Luna style with actionable insights. 
                               If False, use professional AI Assistant style.

    If OpenAI is not configured, returns the original response (degraded quality).
    """
    if not response or not isinstance(response, str):
        return response

    if not _should_use_genai():
        return response

    try:
        # Preferred path: OpenAI SDK v1.x
        client = _get_openai_client()
        messages = _compose_messages(response, context, high_anthropomorphism)
        model_name = os.getenv("HICXAI_OPENAI_MODEL", "gpt-4o-mini")
        # Higher temperature for HIGH anthropomorphism = more conversational variety
        temperature = float(os.getenv("HICXAI_TEMPERATURE", "0.7" if high_anthropomorphism else "0.2"))
        
        # For SHAP explanations, we need more tokens (especially for denials)
        # Response type determines token budget
        if response_type == "explanation" and context and context.get('explanation_type') == 'feature_importance':
            # SHAP explanations need more space (denial cases are typically 400-500 tokens)
            default_tokens = 600
        else:
            # Other responses can be shorter (validation, greetings, etc.)
            default_tokens = 400
        
        max_tokens = int(os.getenv("HICXAI_MAX_TOKENS", str(default_tokens)))

        if client is not None:
            try:
                completion = client.chat.completions.create(
                    model=model_name,
                    messages=messages,
                    temperature=temperature,
                    max_tokens=max_tokens,
                )
                content = completion.choices[0].message.content if completion and completion.choices else None
                
                # Post-process: Remove letter formatting if LOW anthropomorphism
                if content and not high_anthropomorphism:
                    content = _remove_letter_formatting(content)
                
                return content or response
            except Exception:
                pass

        # Fallback: Older OpenAI SDK versions (pre-1.0)
        try:
            import openai  # type: ignore
            openai.api_key = os.environ.get("OPENAI_API_KEY")
            # Support optional base URL on legacy sdk too
            base_url = (
                os.environ.get("HICXAI_OPENAI_BASE_URL")
                or os.environ.get("OPENAI_BASE_URL")
                or None
            )
            if base_url:
                try:
                    openai.base_url = base_url  # type: ignore[attr-defined]
                except Exception:
                    pass
            completion = openai.ChatCompletion.create(
                model=model_name,
                messages=messages,
                temperature=temperature,
                max_tokens=max_tokens,
            )
            content = completion["choices"][0]["message"]["content"] if completion else None
            
            # Post-process: Remove letter formatting if LOW anthropomorphism
            if content and not high_anthropomorphism:
                content = _remove_letter_formatting(content)
            
            return content or response
        except Exception:
            return response
    except Exception:
        # Never break the app if the API call fails
        return response