cursor

app.py

@@ -1,22 +1,16 @@
 import streamlit as st
 import os
+import shutil
+from transformers import AutoTokenizer, AutoModelForCausalLM
+from huggingface_hub import snapshot_download
 import tempfile
 
 st.set_page_config(page_title="MyMoola", layout="wide")
 
-# Set environment variables for HuggingFace before importing transformers
-temp_dir = tempfile.mkdtemp()
-os.environ["TRANSFORMERS_CACHE"] = temp_dir
-os.environ["HF_HOME"] = temp_dir
-os.environ["HUGGINGFACE_HUB_CACHE"] = temp_dir
-
-from transformers import pipeline
-
-# ---------- Custom scrapbook-style CSS + Corner Images + Shimmer title + Sparkling page ----------
+# Custom scrapbook-style CSS + Corner Images + Shimmer title + Sparkling page
 page_bg = """
 <style>
 @import url('https://fonts.googleapis.com/css2?family=Baloo+2:wght@600&display=swap');
-
 /* Scrapbook background: dark, graph-paper vibe, and corner images */
 [data-testid="stAppViewContainer"] {
     background-color: #0e0e0e;
@@ -34,7 +28,6 @@ page_bg = """
     position: relative;
     overflow: hidden;
 }
-
 /* Sparkle container */
 .sparkle {
     pointer-events: none;
@@ -44,7 +37,6 @@ page_bg = """
     z-index: 9999;
     overflow: visible;
 }
-
 .sparkle-dot {
     position: absolute;
     width: 6px;
@@ -55,12 +47,10 @@ page_bg = """
     filter: drop-shadow(0 0 3px #fff);
     animation: sparkle-flicker 3s infinite ease-in-out;
 }
-
 @keyframes sparkle-flicker {
     0%, 100% {opacity: 0.6;}
     50% {opacity: 0.1;}
 }
-
 /* Animate multiple dots with different delays and positions */
 .sparkle-dot:nth-child(1) { top: 8%; left: 10%; animation-delay: 0s; }
 .sparkle-dot:nth-child(2) { top: 12%; left: 25%; animation-delay: 0.4s; }
@@ -72,7 +62,6 @@ page_bg = """
 .sparkle-dot:nth-child(8) { top: 33%; left: 15%; animation-delay: 2.8s; }
 .sparkle-dot:nth-child(9) { top: 36%; left: 50%; animation-delay: 3.2s; }
 .sparkle-dot:nth-child(10) { top: 40%; left: 65%; animation-delay: 3.6s; }
-
 /* Shimmer animation for heading */
 h1 {
     text-align: center;
@@ -106,7 +95,6 @@ h1::before {
         left: 125%;
     }
 }
-
 /* Chat bubbles */
 .chat-bubble-user {
     text-align: right;
@@ -132,7 +120,6 @@ h1::before {
     color: #111;
     box-shadow: 3px 3px 0px #222;
 }
-
 /* Quick buttons styling */
 .quick-button {
     background: linear-gradient(135deg, #ff6b6b, #ff8e8e);
@@ -150,12 +137,10 @@ h1::before {
     text-decoration: none;
     display: inline-block;
 }
-
 .quick-button:hover {
     transform: translate(-1px, -1px);
     box-shadow: 4px 4px 0px #222;
 }
-
 /* Loading spinner */
 .loading-moola {
     text-align: center;
@@ -164,7 +149,6 @@ h1::before {
     font-size: 1.2rem;
     margin: 20px 0;
 }
-
 /* Status messages */
 .status-success {
     background: linear-gradient(135deg, #7bed9f, #70b3ff);
@@ -176,7 +160,6 @@ h1::before {
     font-weight: 600;
     box-shadow: 2px 2px 0px #222;
 }
-
 .status-info {
     background: linear-gradient(135deg, #70b3ff, #5a9cff);
     color: #111;
@@ -187,7 +170,6 @@ h1::before {
     font-weight: 600;
     box-shadow: 2px 2px 0px #222;
 }
-
 .status-warning {
     background: linear-gradient(135deg, #ffa726, #ffb74d);
     color: #111;
@@ -198,7 +180,6 @@ h1::before {
     font-weight: 600;
     box-shadow: 2px 2px 0px #222;
 }
-
 /* Chat container */
 .chat-container {
     max-height: 400px;
@@ -206,123 +187,359 @@ h1::before {
     padding: 10px;
     margin: 20px 0;
 }
-
+/* Calculator cards */
+.calculator-card {
+    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
+    border-radius: 15px;
+    padding: 20px;
+    margin: 15px 0;
+    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.3);
+    backdrop-filter: blur(10px);
+    border: 1px solid rgba(255, 255, 255, 0.1);
+}
+.result-card {
+    background: linear-gradient(135deg, #4facfe 0%, #00f2fe 100%);
+    border-radius: 12px;
+    padding: 15px;
+    margin: 10px 0;
+    text-align: center;
+    box-shadow: 0 4px 15px rgba(79, 172, 254, 0.3);
+    color: #fff;
+    font-family: 'Baloo 2', cursive;
+    font-weight: 600;
+}
+.needs-card {
+    background: linear-gradient(135deg, #ff6b6b, #ff8e8e);
+}
+.wants-card {
+    background: linear-gradient(135deg, #4ecdc4, #44a08d);
+}
+.savings-card {
+    background: linear-gradient(135deg, #45b7d1, #96c93d);
+}
+.input-container {
+    background: rgba(255, 255, 255, 0.1);
+    border-radius: 10px;
+    padding: 15px;
+    margin: 10px 0;
+    backdrop-filter: blur(5px);
+}
+.calculator-title {
+    color: #ffe066;
+    font-family: 'Baloo 2', cursive;
+    font-size: 1.8rem;
+    text-align: center;
+    margin-bottom: 20px;
+    text-shadow: 2px 2px 4px rgba(0, 0, 0, 0.5);
+}
 </style>
 """
 
 st.markdown(page_bg, unsafe_allow_html=True)
 
-# ---------- AI Model Loading ----------
-@st.cache_resource
+# Load Hugging Face Model (with error handling)
+@st.cache_resource(show_spinner=False)
 def load_model():
+    model_name = "TinyLlama/TinyLlama-1.1B-Chat-v1.0"
+    
+    # Try multiple cache directory strategies
+    cache_options = [
+        "./model_cache",  # Original attempt
+        os.path.expanduser("~/.cache/huggingface/transformers"),  # Default HF cache
+        tempfile.mkdtemp(),  # Temporary directory
+        None  # Let HF handle it automatically
+    ]
+    
+    for cache_dir in cache_options:
+        try:
+            # Clear any existing lock files if using custom cache
+            if cache_dir and cache_dir.startswith("./"):
+                lock_pattern = os.path.join(cache_dir, "models--TinyLlama--TinyLlama-1.1B-Chat-v1.0", "*.lock")
+                import glob
+                for lock_file in glob.glob(lock_pattern):
+                    try:
+                        os.remove(lock_file)
+                        st.info(f"Removed stale lock file: {lock_file}")
+                    except:
+                        pass
+            
+            # Attempt to load the model
+            st.info(f"Trying cache directory: {cache_dir or 'default'}")
+            
+            if cache_dir:
+                tokenizer = AutoTokenizer.from_pretrained(
+                    model_name, 
+                    cache_dir=cache_dir,
+                    local_files_only=False,
+                    force_download=False
+                )
+                model = AutoModelForCausalLM.from_pretrained(
+                    model_name, 
+                    cache_dir=cache_dir,
+                    local_files_only=False,
+                    force_download=False
+                )
+            else:
+                # Use default HF cache location
+                tokenizer = AutoTokenizer.from_pretrained(model_name)
+                model = AutoModelForCausalLM.from_pretrained(model_name)
+            
+            st.success(f"Model loaded successfully using cache: {cache_dir or 'default'}")
+            return tokenizer, model
+            
+        except Exception as e:
+            st.warning(f"Failed with cache {cache_dir or 'default'}: {str(e)}")
+            continue
+    
+    # If all cache options fail, try downloading without cache
     try:
-        generator = pipeline(
-            "text-generation",
-            model="microsoft/DialoGPT-small",
-            device_map="auto"
-        )
-        return generator
+        st.info("Attempting direct download without cache...")
+        tokenizer = AutoTokenizer.from_pretrained(model_name, cache_dir=None)
+        model = AutoModelForCausalLM.from_pretrained(model_name, cache_dir=None)
+        return tokenizer, model
     except Exception as e:
-        st.error(f"Model loading failed: {e}")
-        return None
+        st.error(f"All loading attempts failed. Error: {str(e)}")
+        st.error("Please check your internet connection and try again.")
+        st.stop()
+
+# Alternative: Load smaller model if TinyLlama fails
+@st.cache_resource(show_spinner=False)
+def load_fallback_model():
+    """Load an even smaller model as fallback"""
+    try:
+        model_name = "microsoft/DialoGPT-small"  # Smaller alternative
+        tokenizer = AutoTokenizer.from_pretrained(model_name)
+        model = AutoModelForCausalLM.from_pretrained(model_name)
+        return tokenizer, model
+    except Exception as e:
+        st.error(f"Fallback model also failed: {str(e)}")
+        return None, None
 
-# Predefined responses for common financial questions
-FINANCIAL_RESPONSES = {
-    "50/30/20 rule": """🎯 **The 50/30/20 Rule**
+# Generate Response
+def generate_response(user_input, tokenizer, model):
+    if not tokenizer or not model:
+        return "Sorry, the model is not available. Please refresh and try again."
     
-💰 **50% for Needs**: Rent, utilities, groceries, minimum debt payments
-🎉 **30% for Wants**: Fun stuff! Dining out, entertainment, hobbies  
-💎 **20% for Savings**: Emergency fund, retirement, investments
-
-This magical formula helps you enjoy today while building tomorrow! ✨""",
-
-    "emergency fund": """🚨 **Emergency Fund Starter Guide**
+    try:
+        # Create a more detailed and specific prompt for financial advice
+        financial_context = """You are MyMoola, an expert financial advisor. Provide accurate, helpful financial advice in bullet point format.
+
+IMPORTANT FORMATTING RULES:
+- Use bullet points for all key information
+- Keep each bullet point short (1-2 lines max)
+- Provide 5-8 bullet points total
+- Include specific numbers/amounts when relevant
+
+CONTENT GUIDELINES:
+- If asked about SIP, explain Systematic Investment Plan with practical steps
+- If asked about stocks, provide actionable stock market advice
+- Focus on Indian financial context (Rupees, Indian products)
+- Give practical, actionable advice
+- Use simple, clear language
+
+FORMAT EXAMPLE:
+**Topic Name**
+• Point 1 with specific detail
+• Point 2 with actionable step  
+• Point 3 with example/number
+
+Remember: Be concise, practical, and use bullet points always."""
+
+        prompt = f"<|system|>\n{financial_context}\n<|user|>\n{user_input}\n<|assistant|>\n"
+        
+        inputs = tokenizer(prompt, return_tensors="pt", truncation=True, max_length=1024)
+        
+        with st.spinner("AI is thinking..."):
+            outputs = model.generate(
+                **inputs,
+                max_new_tokens=250,  # Increased to avoid cutoff
+                do_sample=True,
+                temperature=0.7,  # Slightly higher for more variety
+                top_p=0.9,
+                repetition_penalty=1.2,  # Higher to reduce repetition
+                pad_token_id=tokenizer.eos_token_id,
+                eos_token_id=tokenizer.eos_token_id,
+                early_stopping=True
+            )
+        
+        response = tokenizer.decode(outputs[0], skip_special_tokens=True)
+        
+        # Extract only the assistant's response
+        if "<|assistant|>" in response:
+            response = response.split("<|assistant|>")[-1].strip()
+        
+        # Clean up the response further
+        response = clean_response(response, user_input)
+        
+        return response
     
-🎯 **Goal**: Start with $500, then build to 3-6 months expenses
-🏦 **Account**: Separate high-yield savings (don't touch!)
-🔄 **Automate**: $25-50 per paycheck adds up fast
-🎁 **Windfalls**: Tax refunds → straight to emergency fund
-🌱 **Start Small**: Even $5/week = $260/year!
-
-Remember: Something beats nothing every time! 💪""",
+    except Exception as e:
+        return f"Sorry, I encountered an error generating a response: {str(e)}"
 
-    "credit score": """📊 **Credit Score Guide**
+def clean_response(response, user_input):
+    """Clean and improve the AI response"""
     
-⭐ **800-850**: Excellent (VIP treatment everywhere!)
-✨ **740-799**: Very Good (great rates, easy approvals)
-💚 **670-739**: Good (decent rates, most loans approved)
-⚠️ **580-669**: Fair (higher rates, work needed)
-🔴 **300-579**: Poor (time to rebuild!)
-
-**Boost Tips**: Pay on time, low balances, keep old cards! 🚀""",
-
-    "invest $1000": """💸 **Smart $1000 Investment Ideas**
+    # Remove any remaining system prompts or artifacts
+    response = response.replace("<|system|>", "").replace("<|user|>", "").replace("<|assistant|>", "")
     
-🏦 **High-Yield Savings** (Safe): 4-5% return, perfect for emergencies
-📈 **Index Funds** (Growth): VTI, VOO - diversified and low fees
-🎯 **Target-Date Funds** (Easy): Auto-pilot investing magic
-🌟 **Roth IRA** (Tax-Free): Future you will thank you!
-🤖 **Robo-Advisor** (Hands-off): Let the bots handle it!
-
-Pro tip: Emergency fund first, then invest for 5+ years! 💎""",
+    # Handle specific financial terms that might be confused
+    user_lower = user_input.lower()
+    
+    if "sip" in user_lower and "chatbot" in response.lower():
+        # If the AI confused SIP with a chatbot, provide correct SIP definition
+        return """**SIP (Systematic Investment Plan)**
+
+• **What it is**: Regular monthly investment in mutual funds (min Rs.500)
+• **Key Benefit**: Rupee cost averaging - buy more units when price is low
+• **How to start**: Choose fund → Set amount → Auto-debit monthly
+• **Best duration**: 3+ years for optimal returns
+• **Returns**: 10-12% annually (equity funds, long-term)
+• **Tax benefit**: ELSS funds save tax under 80C
+• **Perfect for**: Retirement, child education, wealth building
+• **Pro tip**: Start with Rs.1000/month, increase 10% yearly"""
+
+    if "stock trading" in user_lower and len(response) < 50:
+        # If response is too short for stock trading, provide comprehensive answer
+        return """**Stock Trading Basics for Beginners:**
+
+• **Start with Education**: Learn fundamental & technical analysis
+• **Open Accounts**: Demat & Trading account with broker
+• **Start Small**: Begin with Rs.10,000-Rs.50,000
+• **Choose Blue-chip**: Start with TCS, Reliance, HDFC Bank
+• **Set Rules**: Never invest borrowed money, diversify sectors
+• **Stop-loss**: Set limits to minimize losses
+• **Investment vs Trading**: Buy & hold for years (safer) vs frequent trading (riskier)
+• **Beginner Tip**: Start with SIP in index funds before individual stocks"""
+    
+    # Remove any references to "MyMoola app" or similar generic responses
+    problematic_phrases = [
+        "mymoola app", "logging in with", "chatbot designed", "available on the", 
+        "app and can be accessed", "mobile number", "email address", 
+        "personalized financial advice based on your", "helps you save money and invest wisely"
+    ]
+    
+    if any(phrase in response.lower() for phrase in problematic_phrases):
+        return generate_fallback_response(user_input)
+    
+    # Validate response relevance
+    if len(response.strip()) < 20:
+        return generate_fallback_response(user_input)
+    
+    # If response doesn't seem to address the financial question, use fallback
+    financial_keywords = ["invest", "money", "fund", "saving", "budget", "loan", "financial", "rupee", "rs.", "%", "return"]
+    if not any(keyword in response.lower() for keyword in financial_keywords) and len(user_input) > 10:
+        return generate_fallback_response(user_input)
+    
+    return response
 
-    "budget": """💰 **Budgeting Made Simple**
+def generate_fallback_response(user_input):
+    """Generate appropriate fallback responses for common financial questions"""
+    user_lower = user_input.lower()
     
-📝 **Track Everything**: Apps like Mint, YNAB, or good ol' spreadsheets
-🎯 **Categories**: Needs, wants, savings (50/30/20 rule!)
-⚡ **Automate**: Bills, savings - set it and forget it
-🔍 **Review Monthly**: Spot patterns, adjust as needed
-🎉 **Celebrate Wins**: Hit a goal? Treat yourself (within budget!)
+    fallback_responses = {
+        "sip": """**SIP (Systematic Investment Plan)**
+
+• **What it is**: Regular monthly investment in mutual funds (min Rs.500)
+• **Key Benefit**: Rupee cost averaging - buy more units when price is low
+• **How to start**: Choose fund → Set amount → Auto-debit monthly
+• **Best duration**: 3+ years for optimal returns
+• **Returns**: 10-12% annually (equity funds, long-term)
+• **Tax benefit**: ELSS funds save tax under 80C
+• **Perfect for**: Retirement, child education, wealth building
+• **Pro tip**: Start with Rs.1000/month, increase 10% yearly""",
+        
+        "mutual fund": """**Mutual Funds**
+
+• **What it is**: Pool money from many investors to buy stocks/bonds
+• **Types**: Equity (stocks), Debt (bonds), Hybrid (mixed)
+• **Minimum**: Start with Rs.500/month via SIP
+• **Returns**: 10-12% annually (equity funds, long-term)
+• **Benefits**: Professional management, instant diversification
+• **Liquidity**: Redeem anytime (except ELSS - 3yr lock)
+• **Best for beginners**: Large cap or index funds
+• **Tax**: Long-term gains >Rs.1L taxed at 10%""",
+        
+        "emergency fund": """**Emergency Fund** is your financial safety net:
 
-Budgeting = giving your money a job description! 💼""",
+• **Amount**: 6-12 months of expenses
+• **Where**: High-yield savings account or liquid funds
+• **Use**: Medical emergencies, job loss, urgent repairs
+• **Build**: Start with Rs.1000/month, automate it""",
+        
+        "budget": """**Budgeting Made Simple**:
 
-    "debt": """⚡ **Debt Destruction Plan**
-    
-📊 **List Everything**: Write down all debts, rates, minimums
-🔥 **Avalanche Method**: Pay minimums, attack highest rate first
-❄️ **Snowball Method**: Pay minimums, attack smallest balance first
-💳 **Stop Using Cards**: Cash/debit only during payoff
-🎯 **Extra Income**: Side hustle? Straight to debt!
+• **50-30-20 Rule**: 50% needs, 30% wants, 20% savings
+• **Track**: Use apps or simple Excel sheet
+• **Categories**: Housing, food, transport, entertainment
+• **Review**: Monthly check and adjust as needed""",
+        
+        "credit score": """**Credit Score** ranges from 300-850:
 
-You've got this! Every payment is progress! 💪"""
-}
+• **750+**: Excellent - Best loan rates
+• **700-749**: Good - Most loans approved
+• **650-699**: Fair - Higher interest rates
+• **Below 650**: Poor - Limited options
+• **Improve**: Pay on time, keep utilization <30%, don't close old cards""",
+        
+        "insurance": """**Insurance Basics**:
+
+• **Term Life**: High coverage, low premium (Rs.50L for Rs.1000/month)
+• **Health**: Medical expenses coverage (Rs.5-10L minimum)
+• **General**: Car, home, travel insurance
+• **Rule**: Life insurance = 10-15x annual income""",
+        
+        "tax saving": """**Tax Saving Options (80C)**:
 
-def get_financial_advice(question):
-    """Get financial advice from AI or predefined responses"""
-    question_lower = question.lower()
+• **ELSS Mutual Funds**: Best returns + tax saving
+• **PPF**: 15-year lock-in, tax-free returns
+• **EPF**: Employer contribution matching
+• **Home Loan**: Principal repayment saves tax
+• **Limit**: Rs.1.5L per year under 80C"""
+    }
     
-    # Check for predefined responses first
-    for key, response in FINANCIAL_RESPONSES.items():
-        if any(keyword in question_lower for keyword in key.split()):
+    # Check for multiple keywords
+    for key, response in fallback_responses.items():
+        if key in user_lower:
             return response
     
-    # Try to use the AI model if available
-    generator = st.session_state.get('model_generator')
-    if generator:
-        try:
-            prompt = f"As MyMoola, a friendly financial advisor, give helpful advice for: {question}"
-            response = generator(prompt, max_length=150, num_return_sequences=1, temperature=0.7)
-            generated_text = response[0]['generated_text'].replace(prompt, "").strip()
-            
-            # Add some personality if the response is too dry
-            if len(generated_text) < 50:
-                return f"💡 Great question! {generated_text} Remember, small steps lead to big wins! 🚀"
-            return f"💡 {generated_text}"
-        except:
-            pass
+    # Check for related terms
+    if any(term in user_lower for term in ["invest", "investment", "return"]):
+        return """**Investment Options for Beginners**:
+
+• **Best for Beginners**: SIP in diversified mutual funds
+• **Safe Options**: PPF, NSC, Bank FDs
+• **Market Linked**: Mutual funds, stocks, ETFs
+• **Real Estate**: REITs for small amounts
+• **Golden Rule**: Start early, invest regularly, stay patient!"""
     
-    # Fallback response with personality
-    return """🤔 That's a great financial question! While I'm still learning, here are some universal money tips:
-
-💰 **Track your spending** - knowledge is power!
-🎯 **Pay yourself first** - automate that savings
-⚡ **Tackle high-interest debt** - it's costing you big time
-📈 **Start investing early** - time is your best friend
-🛡️ **Build an emergency fund** - life happens!
-
-Want more specific advice? Try asking about budgeting, investing, or debt payoff! 💪"""
-
-# ---------- Sparkle dots ----------
+    if any(term in user_lower for term in ["loan", "emi", "debt"]):
+        return """**Loan & Debt Management**:
+
+• **Repayment Strategy**: Pay high-interest debts first
+• **EMI Rule**: Total EMIs shouldn't exceed 40% of income
+• **Home Loan**: Longest tenure, lowest rates
+• **Personal Loan**: Avoid unless emergency
+• **Tip**: Extra payments toward principal save huge interest!"""
+    
+    return "I'd be happy to help with your financial question! Could you please be more specific about what you'd like to know? I can help with topics like investments, budgeting, savings, SIP, mutual funds, insurance, loans, and more."
+
+# Clear Cache Function
+def clear_model_cache():
+    """Clear the model cache to resolve permission issues"""
+    cache_paths = [
+        "./model_cache",
+        os.path.expanduser("~/.cache/huggingface/transformers")
+    ]
+    
+    for cache_path in cache_paths:
+        if os.path.exists(cache_path):
+            try:
+                shutil.rmtree(cache_path)
+                st.success(f"Cleared cache: {cache_path}")
+            except Exception as e:
+                st.warning(f"Could not clear {cache_path}: {str(e)}")
+
+# Sparkle dots
 sparkle_html = """
 <div class="sparkle">
     <div class="sparkle-dot"></div>
@@ -339,125 +556,204 @@ sparkle_html = """
 """
 st.markdown(sparkle_html, unsafe_allow_html=True)
 
-# ---------- Model Loading Status ----------
-if 'model_loaded' not in st.session_state:
-    st.session_state.model_loaded = False
-    st.session_state.model_generator = None
-
-if not st.session_state.model_loaded:
-    with st.spinner("🐷 Moola is getting ready to help you with finances..."):
-        try:
-            generator = load_model()
-            if generator:
-                st.session_state.model_generator = generator
-                st.session_state.model_loaded = True
-                st.markdown("<div class='status-success'>🎉 Moola is ready to make you financially awesome!</div>", unsafe_allow_html=True)
-            else:
-                st.markdown("<div class='status-info'>💭 Moola is using brain power mode (predefined responses)!</div>", unsafe_allow_html=True)
-                st.session_state.model_loaded = True
-        except Exception as e:
-            st.markdown("<div class='status-warning'>⚡ Moola is running on backup wisdom!</div>", unsafe_allow_html=True)
-            st.session_state.model_loaded = True
-
-# ---------- Title with shimmer effect ----------
-st.markdown("<h1>💰 MyMoola - Your Finance Buddy 🐷✨</h1>", unsafe_allow_html=True)
-
-# ---------- Quick Action Buttons ----------
-st.markdown("### 🚀 Quick Questions")
-
-col1, col2, col3 = st.columns(3)
-
-with col1:
-    if st.button("💡 50/30/20 Rule", key="btn1"):
-        if "messages" not in st.session_state:
-            st.session_state.messages = []
-        st.session_state.messages.append(("You", "What is the 50/30/20 rule?"))
-        response = get_financial_advice("50/30/20 rule")
-        st.session_state.messages.append(("Moola", response))
-
-    if st.button("📊 Good Credit Score", key="btn4"):
-        if "messages" not in st.session_state:
-            st.session_state.messages = []
-        st.session_state.messages.append(("You", "What's a good credit score?"))
-        response = get_financial_advice("credit score")
-        st.session_state.messages.append(("Moola", response))
-
+# Add cache management
+col1, col2 = st.columns([3, 1])
 with col2:
-    if st.button("🏦 Emergency Fund", key="btn2"):
-        if "messages" not in st.session_state:
-            st.session_state.messages = []
-        st.session_state.messages.append(("You", "How do I start an emergency fund?"))
-        response = get_financial_advice("emergency fund")
-        st.session_state.messages.append(("Moola", response))
-
-    if st.button("💰 Budgeting Tips", key="btn5"):
-        if "messages" not in st.session_state:
-            st.session_state.messages = []
-        st.session_state.messages.append(("You", "How do I create a budget?"))
-        response = get_financial_advice("budget")
-        st.session_state.messages.append(("Moola", response))
-
-with col3:
-    if st.button("📈 Invest $1000", key="btn3"):
-        if "messages" not in st.session_state:
-            st.session_state.messages = []
-        st.session_state.messages.append(("You", "How should I invest $1000?"))
-        response = get_financial_advice("invest $1000")
-        st.session_state.messages.append(("Moola", response))
-
-    if st.button("⚡ Pay Off Debt", key="btn6"):
-        if "messages" not in st.session_state:
-            st.session_state.messages = []
-        st.session_state.messages.append(("You", "How do I pay off debt faster?"))
-        response = get_financial_advice("debt")
-        st.session_state.messages.append(("Moola", response))
-
-# ---------- Interactive chat interface ----------
-if "messages" not in st.session_state:
-    st.session_state.messages = []
-
-def submit_message():
-    user_text = st.session_state.input_text
-    if user_text.strip():
-        st.session_state.messages.append(("You", user_text))
-        
-        with st.spinner("🐷 Moola is thinking..."):
-            bot_reply = get_financial_advice(user_text)
-            st.session_state.messages.append(("Moola", bot_reply))
+    if st.button("Clear Cache"):
+        clear_model_cache()
+        st.cache_resource.clear()
+        st.experimental_rerun()
+
+# Model loading with better error handling
+try:
+    with st.spinner("Loading TinyLLaMA model (first time may take a minute)..."):
+        tokenizer, model = load_model()
         
-        st.session_state.input_text = ""
+    if tokenizer and model:
+        st.success("Model loaded and ready to chat!")
+    else:
+        st.warning("Primary model failed. Trying fallback...")
+        with st.spinner("Loading fallback model..."):
+            tokenizer, model = load_fallback_model()
+            if tokenizer and model:
+                st.info("Fallback model loaded successfully!")
+except Exception as e:
+    st.error(f"Model loading failed: {str(e)}")
+    st.info("**Troubleshooting Tips:**")
+    st.info("1. Try clicking 'Clear Cache' button above")
+    st.info("2. Check your internet connection")
+    st.info("3. Wait a few minutes and refresh the page")
+    st.stop()
+
+# Title with shimmer effect
+st.markdown("<h1>MyMoola - Your Finance Buddy</h1>", unsafe_allow_html=True)
+
+# 50/30/20 Calculator Function
+def calculate_50_30_20(income, current_expenses=0):
+    """Calculate 50/30/20 budget breakdown"""
+    available_income = max(0, income - current_expenses)
+    
+    needs = available_income * 0.50
+    wants = available_income * 0.30
+    savings = available_income * 0.20
+    
+    return {
+        'available_income': available_income,
+        'needs': needs,
+        'wants': wants,
+        'savings': savings,
+        'needs_percentage': 50,
+        'wants_percentage': 30,
+        'savings_percentage': 20
+    }
 
-st.markdown("### 💬 Chat with Moola")
-st.text_input("Ask me anything about money! 💸", key="input_text", on_change=submit_message, 
-              placeholder="e.g., How do I save for a house?")
+# Quick Calculator Section
+st.markdown("### Quick Calculator")
 
-# Display chat messages in a scrollable container
-if st.session_state.messages:
-    st.markdown('<div class="chat-container">', unsafe_allow_html=True)
+# Add tabs for different calculators
+tab1, tab2 = st.tabs(["50/30/20 Budget Calculator", "Ask AI Questions"])
+
+with tab1:
+    st.markdown('<div class="calculator-card">', unsafe_allow_html=True)
+    st.markdown('<div class="calculator-title">50/30/20 Budget Calculator</div>', unsafe_allow_html=True)
     
-    # Show recent messages (last 10 to avoid clutter)
-    recent_messages = st.session_state.messages[-10:] if len(st.session_state.messages) > 10 else st.session_state.messages
+    col1, col2 = st.columns(2)
+    
+    with col1:
+        st.markdown('<div class="input-container">', unsafe_allow_html=True)
+        monthly_income = st.number_input(
+            "Monthly Income (Rs.)", 
+            min_value=0, 
+            value=50000, 
+            step=1000,
+            help="Enter your total monthly income"
+        )
+        st.markdown('</div>', unsafe_allow_html=True)
     
-    for role, text in recent_messages:
-        if role == "You":
-            st.markdown(f"<div style='text-align: right;'><div class='chat-bubble-user'><b>You:</b> {text}</div></div>", unsafe_allow_html=True)
+    with col2:
+        st.markdown('<div class="input-container">', unsafe_allow_html=True)
+        current_expenses = st.number_input(
+            "Current Fixed Expenses (Rs.)", 
+            min_value=0, 
+            value=0, 
+            step=1000,
+            help="Enter your current unavoidable expenses (if any)"
+        )
+        st.markdown('</div>', unsafe_allow_html=True)
+    
+    if st.button("Calculate Budget Breakdown", type="primary"):
+        if monthly_income > 0:
+            result = calculate_50_30_20(monthly_income, current_expenses)
+            
+            st.markdown("#### Your Budget Breakdown:")
+            
+            # Display results in beautiful cards
+            col1, col2, col3 = st.columns(3)
+            
+            with col1:
+                st.markdown(f'''
+                <div class="result-card needs-card">
+                    <h3>50% NEEDS</h3>
+                    <h2>Rs. {result['needs']:,.0f}</h2>
+                    <p>Rent, utilities, groceries, minimum debt payments</p>
+                </div>
+                ''', unsafe_allow_html=True)
+            
+            with col2:
+                st.markdown(f'''
+                <div class="result-card wants-card">
+                    <h3>30% WANTS</h3>
+                    <h2>Rs. {result['wants']:,.0f}</h2>
+                    <p>Entertainment, dining out, hobbies, shopping</p>
+                </div>
+                ''', unsafe_allow_html=True)
+            
+            with col3:
+                st.markdown(f'''
+                <div class="result-card savings-card">
+                    <h3>20% SAVINGS</h3>
+                    <h2>Rs. {result['savings']:,.0f}</h2>
+                    <p>Emergency fund, investments, retirement</p>
+                </div>
+                ''', unsafe_allow_html=True)
+            
+            # Additional insights
+            st.markdown("#### Smart Tips:")
+            tips_col1, tips_col2 = st.columns(2)
+            
+            with tips_col1:
+                st.info(f"""
+                **Automate Your Savings**
+                Set up automatic transfer of Rs. {result['savings']:,.0f} to a separate savings account on payday.
+                """)
+            
+            with tips_col2:
+                st.success(f"""
+                **Emergency Fund Goal**
+                Build 6 months of expenses: Rs. {result['needs'] * 6:,.0f} using your 20% savings.
+                """)
+            
+            if result['available_income'] < monthly_income:
+                st.warning(f"""
+                **Note:** After fixed expenses of Rs. {current_expenses:,}, you have Rs. {result['available_income']:,} available for the 50/30/20 allocation.
+                """)
         else:
-            st.markdown(f"<div style='text-align: left;'><div class='chat-bubble-bot'><b>🐷 Moola:</b> {text}</div></div>", unsafe_allow_html=True)
+            st.error("Please enter a valid monthly income amount.")
     
     st.markdown('</div>', unsafe_allow_html=True)
-    
-    # Clear chat button
-    if st.button("🗑️ Clear Chat History"):
-        st.session_state.messages = []
-        st.experimental_rerun()
 
-# ---------- Footer ----------
+with tab2:
+    # Example questions
+    st.header("Try Example Questions")
+    cols = st.columns(2)
+    if cols[0].button("What is the 50/30/20 rule?"):
+        st.session_state.setdefault("chat_history", [])
+        bot_response = generate_response("What is the 50/30/20 rule?", tokenizer, model)
+        st.session_state.chat_history.append({"user": "What is the 50/30/20 rule?", "bot": bot_response})
+
+    if cols[1].button("How do I start an emergency fund?"):
+        st.session_state.setdefault("chat_history", [])
+        bot_response = generate_response("How do I start an emergency fund?", tokenizer, model)
+        st.session_state.chat_history.append({"user": "How do I start an emergency fund?", "bot": bot_response})
+
+    # Additional example questions
+    cols2 = st.columns(2)
+    if cols2[0].button("What's a good credit score?"):
+        st.session_state.setdefault("chat_history", [])
+        bot_response = generate_response("What's a good credit score?", tokenizer, model)
+        st.session_state.chat_history.append({"user": "What's a good credit score?", "bot": bot_response})
+
+    if cols2[1].button("How to invest Rs.1000?"):
+        st.session_state.setdefault("chat_history", [])
+        bot_response = generate_response("How should I invest Rs.1000?", tokenizer, model)
+        st.session_state.chat_history.append({"user": "How should I invest Rs.1000?", "bot": bot_response})
+
+# User input
+st.subheader("Ask Your Own Question")
+user_input = st.text_input("Type your financial question here:", placeholder="e.g., How do I budget my salary?")
+if user_input:
+    st.session_state.setdefault("chat_history", [])
+    bot_response = generate_response(user_input, tokenizer, model)
+    st.session_state.chat_history.append({"user": user_input, "bot": bot_response})
+
+# Display chat history
+if "chat_history" in st.session_state and st.session_state.chat_history:
+    st.header("Chat History")
+    st.markdown('<div class="chat-container">', unsafe_allow_html=True)
+    
+    for i, chat in enumerate(reversed(st.session_state.chat_history[-5:])):  # Show last 5 chats
+        st.markdown(f"<div style='text-align: right;'><div class='chat-bubble-user'><b>You:</b> {chat['user']}</div></div>", unsafe_allow_html=True)
+        st.markdown(f"<div style='text-align: left;'><div class='chat-bubble-bot'><b>MyMoola:</b> {chat['bot']}</div></div>", unsafe_allow_html=True)
+    
+    st.markdown('</div>', unsafe_allow_html=True)
+    
+# Add footer
 st.markdown("---")
 st.markdown("""
 <div style='text-align: center; color: #ffe066; font-family: "Baloo 2", cursive; margin-top: 30px;'>
-    <p>🌟 <b>MyMoola</b> - Making money management fun and friendly! 🌟</p>
+    <p><b>MyMoola</b> - Making financial literacy fun and accessible!</p>
     <p style='font-size: 0.8rem; color: #ccc;'>
-        💡 <i>Educational purposes only. Always consult financial advisors for personalized advice.</i>
+        <i>Disclaimer: This is for educational purposes. Always consult with a financial advisor for personalized advice.</i>
     </p>
 </div>
 """, unsafe_allow_html=True)