main.py

import streamlit as st
import requests
import uuid
from datetime import datetime

# Page configuration
st.set_page_config(
    page_title="RiskGuard AI: Credit Risk Modelling",
    page_icon="🛡️",
    layout="wide"
)

# Initialize session storage
if "chat_history" not in st.session_state:
    st.session_state.chat_history = []
if "thread_id" not in st.session_state:
    st.session_state.thread_id = str(uuid.uuid4())
if "analysis_done" not in st.session_state:
    st.session_state.analysis_done = False
if "show_info" not in st.session_state:
    st.session_state.show_info = False

# ========================= ENHANCED UI STYLING (UPDATED) =========================
st.markdown("""

<style>

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;600;700&display=swap');

* {

    font-family: 'Montserrat', 'Inter', sans-serif;

}

.main {

    background: linear-gradient(135deg, #212d3b 0%, #223a57 100%);

    padding: 2rem 0;

}

.header-container {

    background: linear-gradient(135deg, #243b55 0%, #141e30 100%);

    padding: 2rem;

    border-radius: 16px;

    box-shadow: 0 8px 32px rgba(36, 59, 85,0.13);

    margin-bottom: 2rem;

    text-align: center;

}

.header-title {

    color: white;

    font-size: 2.5rem;

    font-weight: 700;

    margin: 0;

    text-shadow: 2px 2px 6px rgba(20,30,48,0.2);

    font-family: 'Montserrat', sans-serif;

}

.header-subtitle {

    color: #aab3cf;

    font-size: 1.1rem;

    margin-top: 0.5rem;

    font-family: 'Montserrat', sans-serif;

}

.section-card {

    background: #25304b;

    padding: 1.5rem;

    border-radius: 12px;

    box-shadow: 0 4px 8px rgba(36, 59, 85,0.12);

    margin-bottom: 1.5rem;

    border-left: 4px solid #2952a3;

    color: #f3f4fa;

}

.section-title {

    color: #f1f7fc;

    font-size: 1.3rem;

    font-weight: 700;

    margin-bottom: 1rem;

    display: flex;

    align-items: center;

    gap: 0.5rem;

    font-family: 'Montserrat', sans-serif;

}

.info-box {

    background: linear-gradient(135deg, #344667 0%, #2952a3 100%);

    color: #f1f7fc;

    padding: 1rem;

    border-radius: 10px;

    margin: 1rem 0;

    border-left: 4px solid #18aad5;

    animation: slideIn 0.5s ease-out;

}

@keyframes slideIn {

    from { opacity: 0; transform: translateY(-10px); }

    to { opacity: 1; transform: translateY(0); }

}

.metric-card {

    background: linear-gradient(135deg, #2952a3 0%, #243b55 100%);

    padding: 1.2rem;

    border-radius: 12px;

    color: #f3f4fa;

    text-align: center;

    box-shadow: 0 4px 15px rgba(41, 82, 163, 0.2);

    transition: transform 0.3s ease;

}

.metric-card:hover {

    transform: translateY(-5px);

}

.metric-value {

    font-size: 2rem;

    font-weight: 700;

    margin: 0.5rem 0;

    font-family: 'Montserrat', sans-serif;

}

.metric-label {

    font-size: 0.9rem;

    opacity: 0.92;

}

.result-card {

    background: linear-gradient(135deg, #333b9b 0%, #2d375b 100%);

    padding: 2rem;

    border-radius: 16px;

    color: #f4f8ff;

    box-shadow: 0 8px 32px rgba(51, 59, 155, 0.10);

    margin: 1.5rem 0;

}

.result-grid {

    display: grid;

    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));

    gap: 1.5rem;

    margin-top: 1rem;

}

.result-item {

    background: rgba(25,40,65,0.2);

    padding: 1.5rem;

    border-radius: 12px;

    backdrop-filter: blur(10px);

}

.result-item-label {

    font-size: 0.9rem;

    opacity: 0.9;

    margin-bottom: 0.5rem;

}

.result-item-value {

    font-size: 1.8rem;

    font-weight: 700;

}

.advisor-box {

    background: linear-gradient(135deg, #2e8bcb 0%, #243b55 100%);

    color: #f5f5fa;

    padding: 1.5rem;

    border-radius: 12px;

    margin-top: 1.5rem;

    border-left: 4px solid #18aad5;

    box-shadow: 0 4px 15px rgba(46, 139, 203, 0.1);

}

.advisor-box h4 {

    color: #f1f7fc;

    margin-top: 0;

}

.chat-container {

    background: #24304e;

    color: #fff;

    padding: 1.5rem;

    border-radius: 12px;

    box-shadow: 0 4px 6px rgba(36, 48, 78,0.12);

    max-height: 400px;

    overflow-y: auto;

    margin-bottom: 1rem;

}

.chat-bubble-user {

    background: linear-gradient(135deg, #2952a3 0%, #243b55 100%);

    color: white;

    padding: 12px 18px;

    border-radius: 18px 18px 4px 18px;

    margin: 8px 0 8px auto;

    max-width: 70%;

    text-align: right;

    box-shadow: 0 2px 8px rgba(41,82,163, 0.13);

    animation: slideInRight 0.3s ease-out;

    font-family: 'Montserrat', sans-serif;

}

.chat-bubble-bot {

    background: #20293b;

    border: 2px solid #2a3d6a;

    color: #ebf2f8;

    padding: 12px 18px;

    border-radius: 18px 18px 18px 4px;

    margin: 8px auto 8px 0;

    max-width: 70%;

    box-shadow: 0 2px 8px rgba(0,0,0,0.1);

    animation: slideInLeft 0.3s ease-out;

    font-family: 'Montserrat', sans-serif;

}

@keyframes slideInRight {

    from { opacity: 0; transform: translateX(20px); }

    to { opacity: 1; transform: translateX(0); }

}

@keyframes slideInLeft {

    from { opacity: 0; transform: translateX(-20px); }

    to { opacity: 1; transform: translateX(0); }

}

.stButton>button {

    width: 100%;

    background: linear-gradient(135deg, #285aeb 0%, #223a57 100%);

    color: white;

    font-weight: 600;

    border: none;

    border-radius: 10px;

    padding: 0.8rem;

    font-size: 1rem;

    font-family: 'Montserrat', sans-serif;

    transition: all 0.3s ease;

    box-shadow: 0 4px 15px rgba(40, 90, 235, 0.13);

}

.stButton>button:hover {

    transform: translateY(-2px);

    box-shadow: 0 6px 20px rgba(40, 90, 235, 0.20);

}

.progress-container {

    margin: 1rem 0;

}

.stNumberInput>div>div>input,

.stSelectbox>div>div>select,

.stTextInput>div>div>input {

    border-radius: 8px;

    border: 2px solid #233269;

    padding: 0.5rem;

    transition: border-color 0.3s ease;

    background: #2d375b;

    color: #e9ecfa;

    font-family: 'Montserrat', sans-serif;

}

.stNumberInput>div>div>input:focus,

.stSelectbox>div>div>select:focus,

.stTextInput>div>div>input:focus {

    border-color: #285aeb;

    box-shadow: 0 0 0 3px rgba(40, 90, 235, 0.1);

}

.alert-banner {

    background: linear-gradient(135deg, #233269 0%, #285aeb 100%);

    color: #fff;

    padding: 1rem;

    border-radius: 10px;

    margin: 1rem 0;

    border-left: 4px solid #18aad5;

    display: flex;

    align-items: center;

    gap: 0.5rem;

}

.chat-container::-webkit-scrollbar {

    width: 8px;

}

.chat-container::-webkit-scrollbar-track {

    background: #1a2336;

    border-radius: 10px;

}

.chat-container::-webkit-scrollbar-thumb {

    background: #2952a3;

    border-radius: 10px;

}

.chat-container::-webkit-scrollbar-thumb:hover {

    background: #223a57;

}

</style>

""", unsafe_allow_html=True)

# ========================= HEADER =========================
st.markdown("""

<div class="header-container">

    <h1 class="header-title">🛡️ RiskGuard AI</h1>

    <p class="header-subtitle">Advanced AI-Powered Credit Risk Assessment Platform</p>

</div>

""", unsafe_allow_html=True)

# Alert Banner
st.markdown("""

<div class="alert-banner">

    ⚠️ <strong>Note:</strong> First request may take up to 20 seconds (API cold start).

</div>

""", unsafe_allow_html=True)

# Info Toggle
if st.button("ℹ️ How It Works"):
    st.session_state.show_info = not st.session_state.show_info

if st.session_state.show_info:
    st.markdown("""

    <div class="info-box">

        <h4>📊 About RiskGuard AI</h4>

        <p><strong>What we analyze:</strong></p>

        <ul>

            <li>Personal financial profile and credit history</li>

            <li>Loan-to-income ratio and debt burden</li>

            <li>Payment patterns and delinquency records</li>

            <li>Credit utilization and account management</li>

        </ul>

        <p><strong>Our AI provides:</strong></p>

        <ul>

            <li>Default probability predictions</li>

            <li>Credit score assessment</li>

            <li>Risk rating classification</li>

            <li>Personalized recommendations</li>

        </ul>

    </div>

    """, unsafe_allow_html=True)

# ========================= INPUT FORM =========================
col_left, col_right = st.columns([1, 1], gap="large")

with col_left:
    st.markdown('<div class="section-card">', unsafe_allow_html=True)
    st.markdown('<div class="section-title">👤 Personal & Loan Information</div>', unsafe_allow_html=True)
    
    age = st.number_input("Age", 18, 100, 28, help="Applicant's age in years")
    income = st.number_input("Annual Income (₹)", 0, 50000000, 1200000, step=50000, help="Total annual income")
    loan_amount = st.number_input("Loan Amount (₹)", 0, 50000000, 2500000, step=100000, help="Requested loan amount")
    loan_tenure_months = st.number_input("Loan Tenure (months)", 0, 480, 36, help="Loan repayment period")
    
    loan_purpose = st.selectbox("Loan Purpose", ["Education", "Home", "Auto", "Personal"])
    residence_type = st.selectbox("Residence Type", ["Owned", "Rented", "Mortgage"])
    loan_type = st.selectbox("Loan Type", ["Secured", "Unsecured"])
    
    st.markdown('</div>', unsafe_allow_html=True)
    
    loan_to_income_ratio = loan_amount / income if income > 0 else 0
    st.markdown(f"""

    <div class="metric-card">

        <div class="metric-label">Loan-to-Income Ratio</div>

        <div class="metric-value">{loan_to_income_ratio:.2f}x</div>

    </div>

    """, unsafe_allow_html=True)

with col_right:
    st.markdown('<div class="section-card">', unsafe_allow_html=True)
    st.markdown('<div class="section-title">💳 Credit Profile</div>', unsafe_allow_html=True)
    avg_dpd_per_delinquency = st.number_input("Average Days Past Due", 0, 200, 20, help="Average days past due per delinquency")
    delinquency_ratio = st.number_input("Delinquency Ratio (%)", 0, 100, 30, help="Percentage of delinquent accounts")
    credit_utilization_ratio = st.number_input("Credit Utilization (%)", 0, 100, 30, help="Percentage of available credit used")
    num_open_accounts = st.number_input("Open Loan Accounts", 0, 20, 2, help="Number of currently active loan accounts")
    st.markdown('</div>', unsafe_allow_html=True)

# ========================= ANALYSIS BUTTON =========================
st.markdown("<br>", unsafe_allow_html=True)

if st.button("🔍 Analyze Credit Risk", use_container_width=True):
    API_URL = st.secrets["API_URL"]

    payload = {
        "age": age,
        "income": income,
        "loan_amount": loan_amount,
        "loan_tenure_months": loan_tenure_months,
        "avg_dpd_per_delinquency": avg_dpd_per_delinquency,
        "delinquency_ratio": delinquency_ratio,
        "credit_utilization_ratio": credit_utilization_ratio,
        "num_open_accounts": num_open_accounts,
        "residence_type": residence_type,
        "loan_purpose": loan_purpose,
        "loan_type": loan_type
    }

    with st.spinner("🤖 Analyzing your credit profile..."):
        try:
            r = requests.post(API_URL, json=payload, timeout=30)
            if r.status_code == 200:
                result = r.json()

                # Display Results
                st.markdown('<div class="result-card">', unsafe_allow_html=True)
                st.markdown('<h3 style="margin-top:0; color:white;">📊 Assessment Results</h3>', unsafe_allow_html=True)
                st.markdown(f"""

                <div class="result-grid">

                    <div class="result-item">

                        <div class="result-item-label">Default Probability</div>

                        <div class="result-item-value">{result['probability']:.2%}</div>

                    </div>

                    <div class="result-item">

                        <div class="result-item-label">Credit Score</div>

                        <div class="result-item-value">{result['credit_score']}</div>

                    </div>

                    <div class="result-item">

                        <div class="result-item-label">Risk Rating</div>

                        <div class="result-item-value">{result['rating']}</div>

                    </div>

                </div>

                """, unsafe_allow_html=True)
                st.markdown('</div>', unsafe_allow_html=True)

                if result.get("advisor_response"):
                    st.markdown(f"""

                    <div class="advisor-box">

                        <h4>🤖 AI Credit Advisor Insights</h4>

                        <p>{result['advisor_response']}</p>

                    </div>

                    """, unsafe_allow_html=True)

                st.session_state.probability = result["probability"]
                st.session_state.credit_score = result["credit_score"]
                st.session_state.rating = result["rating"]
                st.session_state.advisor_reply = result["advisor_response"]
                st.session_state.analysis_done = True
                
                st.success("✅ Analysis complete! You can now chat with our AI assistant below.")

            else:
                st.error(f"❌ API Error: {r.status_code} - {r.text}")
        except requests.exceptions.Timeout:
            st.error("⏱️ Request timed out. Please try again.")
        except Exception as e:
            st.error(f"❌ Request failed: {e}")

# ========================= CHATBOT =========================
if st.session_state.analysis_done:
    st.markdown("<br><br>", unsafe_allow_html=True)
    st.markdown('<div class="section-card">', unsafe_allow_html=True)
    st.markdown('<div class="section-title">💬 Interactive Loan Chat Assistant</div>', unsafe_allow_html=True)
    if st.session_state.chat_history:
        st.markdown('<div class="chat-container">', unsafe_allow_html=True)
        for role, msg in st.session_state.chat_history:
            bubble = "chat-bubble-user" if role == "user" else "chat-bubble-bot"
            prefix = "You: " if role == "user" else "🤖 Assistant: "
            st.markdown(f"<div class='{bubble}'><strong>{prefix}</strong>{msg}</div>", unsafe_allow_html=True)
        st.markdown('</div>', unsafe_allow_html=True)
    user_query = st.text_input("Ask a question about your credit assessment:", placeholder="e.g., How can I improve my credit score?")
    col_send, col_clear = st.columns([3, 1])
    with col_send:
        send_button = st.button("📤 Send Message", use_container_width=True)
    with col_clear:
        if st.button("🗑️ Clear Chat", use_container_width=True):
            st.session_state.chat_history = []
            st.session_state.thread_id = str(uuid.uuid4())
            st.experimental_rerun()
    if send_button and user_query.strip():
        CHAT_URL = st.secrets["CHAT_URL"]
        payload = {
            "thread_id": st.session_state.thread_id,
            "message": user_query,
            "probability": st.session_state.probability,
            "credit_score": st.session_state.credit_score,
            "rating": st.session_state.rating,
            "advisor_reply": st.session_state.advisor_reply
        }
        with st.spinner("🤖 Thinking..."):
            try:
                r = requests.post(CHAT_URL, json=payload, timeout=30)
                if r.status_code == 200:
                    reply = r.json()["response"]
                    st.session_state.chat_history.append(("user", user_query))
                    st.session_state.chat_history.append(("bot", reply))
                    st.experimental_rerun()
                else:
                    st.error(f"❌ Chat server error: {r.status_code}")
            except Exception as e:
                st.error(f"❌ Chat failed: {e}")
    st.markdown('</div>', unsafe_allow_html=True)

# Footer
st.markdown("<br><br>", unsafe_allow_html=True)
st.markdown("""

<div style='text-align: center; color: #7f8c8d; font-size: 0.9rem;'>

    <p>🛡️ RiskGuard AI © 2025 | Powered by Advanced Machine Learning</p>

    <p style='font-size: 0.8rem;'>For demonstration purposes only. Not financial advice.</p>

</div>

""", unsafe_allow_html=True)