# HOA LedgerIQ — AI Investment Advisor Configuration

## Overview

The **Benefit Calculator** uses an AI model to generate a personalized investment recommendation. It supports any **OpenAI-compatible API** — including OpenAI, NVIDIA NIM, Together AI, Groq, Ollama, and others — configured via environment variables.

---

## Architecture

```
Browser (app.js)
  └─► POST /api/calculate   (server.js)
        └─► OpenAI-compatible API  (AI_API_URL)
              └─► Returns AI-generated recommendation text
                    └─► JSON response back to browser
                          (falls back to client-side math text if unavailable)
```

---

## Configuration (.env)

Add these variables to your `.env` file (or systemd `EnvironmentFile`):

```env
# AI Investment Advisor (OpenAI-compatible API)
AI_API_URL=https://integrate.api.nvidia.com/v1
AI_API_KEY=your_api_key_here
AI_MODEL=qwen/qwen3.5-397b-a17b

# Set to 'true' to enable detailed AI prompt/response logging
AI_DEBUG=false
```

### Provider Examples

| Provider | AI_API_URL | Example Model |
|---|---|---|
| OpenAI | `https://api.openai.com/v1` | `gpt-4o-mini` |
| NVIDIA NIM | `https://integrate.api.nvidia.com/v1` | `qwen/qwen3.5-397b-a17b` |
| Together AI | `https://api.together.xyz/v1` | `meta-llama/Llama-3-70b-chat-hf` |
| Groq | `https://api.groq.com/openai/v1` | `llama3-70b-8192` |
| Ollama (local) | `http://localhost:11434/v1` | `llama3` |

> If `AI_API_KEY` is not set, the `/api/calculate` endpoint returns 503 and the calculator falls back to client-side generated text automatically.

---

## How It Works

`server.js` initializes the OpenAI client with your configured base URL and key:

```js
const aiClient = AI_API_KEY
  ? new OpenAI({ apiKey: AI_API_KEY, baseURL: AI_API_URL })
  : null;
```

The `POST /api/calculate` endpoint builds a prompt from the form inputs and calls:

```js
const completion = await aiClient.chat.completions.create({
  model:      AI_MODEL,
  max_tokens: 300,
  messages:   [{ role: 'user', content: prompt }],
});
```

`app.js` calls this endpoint on form submit and falls back to the client-side text if the server returns an error or is unreachable.

---

## Restart & Verify

```bash
sudo systemctl restart hoaledgeriqweb

# Test the endpoint
curl -X POST http://localhost:3000/api/calculate \
  -H "Content-Type: application/json" \
  -d '{"homesites":150,"propertyType":"sfh","annualIncome":300000,"paymentFreq":"monthly","reserveFunds":500000,"interest2025":4200}'
```

---

## Prompt Tuning

Edit the prompt in `server.js` (inside the `/api/calculate` route) to adjust tone or output:

| Goal | Change |
|---|---|
| More optimistic estimates | Change "conservative" to "moderate" |
| Shorter output | Reduce `max_tokens` to `150` |
| Specific products | Add "mention Vanguard Federal Money Market or 6-month T-bills" |
| Add disclaimer | Append "End with one sentence reminding them this is not financial advice." |

---

## Debug Logging

Set `AI_DEBUG=true` in `.env` to log the full prompt and response to the server console. Useful for testing new models or prompt changes.

---

## Security

- **Never put `AI_API_KEY` in `app.js`** — all AI calls go through `server.js`.
- Rate-limit the endpoint to prevent abuse:

```bash
npm install express-rate-limit --ignore-scripts
```

```js
const rateLimit = require('express-rate-limit');
app.use('/api/calculate', rateLimit({ windowMs: 60_000, max: 10 }));
```
