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+# HOA LedgerIQ — AI API Configuration Guide
+
+## Overview
+
+The **Benefit Calculator widget** currently runs entirely client-side using conservative
+fixed-rate math. This guide explains how to upgrade it to call a real AI API
+(Claude or OpenAI) so the recommendation text is generated dynamically by a language model.
+
+---
+
+## Architecture
+
+```
+Browser (app.js)
+  └─► POST /api/calculate   (server.js)
+        └─► Anthropic / OpenAI API
+              └─► Returns AI-generated investment recommendation text
+                    └─► JSON response back to browser
+```
+
+---
+
+## Step 1 — Add your API key to `.env`
+
+Open `.env` in the project root and add one of the following:
+
+```env
+# For Claude (Anthropic) — recommended
+ANTHROPIC_API_KEY=sk-ant-...
+
+# OR for OpenAI
+OPENAI_API_KEY=sk-...
+```
+
+---
+
+## Step 2 — Install the SDK
+
+```bash
+# Claude (Anthropic)
+npm install @anthropic-ai/sdk
+
+# OR OpenAI
+npm install openai
+```
+
+---
+
+## Step 3 — Add the `/api/calculate` endpoint to `server.js`
+
+Add this block after the existing `/api/health` route:
+
+### Using Claude (Anthropic)
+
+```js
+const Anthropic = require('@anthropic-ai/sdk');
+const anthropic = new Anthropic({ apiKey: process.env.ANTHROPIC_API_KEY });
+
+app.post('/api/calculate', async (req, res) => {
+  const { homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 } = req.body ?? {};
+
+  if (!homesites || !annualIncome) {
+    return res.status(400).json({ error: 'homesites and annualIncome are required.' });
+  }
+
+  const fmt = n => '$' + Math.round(n).toLocaleString();
+  const freqLabel = { monthly: 'monthly', quarterly: 'quarterly', annually: 'annual' }[paymentFreq] || 'monthly';
+  const typeLabel = { sfh: 'single-family home', townhomes: 'townhome', condos: 'condo', mixed: 'mixed-use' }[propertyType] || '';
+
+  const prompt = `You are a conservative HOA financial advisor. Given the following community data, provide a brief (3-4 sentence) plain-English investment income recommendation. Use only conservative, realistic estimates. Do not speculate beyond what the data supports.
+
+Community: ${homesites}-unit ${typeLabel} association
+Annual dues income: ${fmt(annualIncome)} (collected ${freqLabel})
+Reserve fund balance: ${fmt(reserveFunds || 0)}
+Interest income earned in 2025: ${fmt(interest2025 || 0)}
+
+Provide a recommendation focused on:
+1. How much of the reserve funds could conservatively be invested and in what vehicle (e.g. CD ladder, money market, T-bills)
+2. How much operating cash could earn interest between collection and expense periods
+3. A realistic estimated annual interest income potential
+4. A single sentence comparing that to their 2025 actual if provided
+
+Keep the tone professional and factual. No bullet points — flowing paragraph only.`;
+
+  try {
+    const message = await anthropic.messages.create({
+      model: 'claude-opus-4-6',
+      max_tokens: 300,
+      messages: [{ role: 'user', content: prompt }],
+    });
+
+    const text = message.content[0]?.text ?? '';
+    res.json({ recommendation: text });
+  } catch (err) {
+    console.error('AI API error:', err.message);
+    res.status(502).json({ error: 'AI service unavailable. Showing estimated result.' });
+  }
+});
+```
+
+### Using OpenAI (GPT-4o)
+
+```js
+const OpenAI = require('openai');
+const openai = new OpenAI({ apiKey: process.env.OPENAI_API_KEY });
+
+app.post('/api/calculate', async (req, res) => {
+  const { homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 } = req.body ?? {};
+
+  // ... (same prompt construction as above) ...
+
+  try {
+    const completion = await openai.chat.completions.create({
+      model: 'gpt-4o',
+      max_tokens: 300,
+      messages: [{ role: 'user', content: prompt }],
+    });
+
+    const text = completion.choices[0]?.message?.content ?? '';
+    res.json({ recommendation: text });
+  } catch (err) {
+    console.error('AI API error:', err.message);
+    res.status(502).json({ error: 'AI service unavailable.' });
+  }
+});
+```
+
+---
+
+## Step 4 — Update `app.js` to call the API endpoint
+
+In the `initCalculator` function, replace this line in the submitBtn handler:
+
+```js
+document.getElementById('calcAiText').textContent = ai;  // current: client-side text
+```
+
+With this:
+
+```js
+// Call the AI endpoint; fall back to client-side text if unavailable
+try {
+  const aiRes = await fetch('/api/calculate', {
+    method: 'POST',
+    headers: { 'Content-Type': 'application/json' },
+    body: JSON.stringify({ homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 }),
+  });
+  if (aiRes.ok) {
+    const { recommendation } = await aiRes.json();
+    document.getElementById('calcAiText').textContent = recommendation;
+  } else {
+    document.getElementById('calcAiText').textContent = ai; // fallback
+  }
+} catch (_) {
+  document.getElementById('calcAiText').textContent = ai; // fallback
+}
+```
+
+> Note: The `submitBtn` handler must be declared `async` for the `await` above to work:
+> ```js
+> submitBtn?.addEventListener('click', async () => { ... });
+> ```
+
+---
+
+## Step 5 — Restart the server
+
+```bash
+sudo systemctl restart hoaledgeriqweb
+
+# Verify the endpoint is live
+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 Tips
+
+The prompt in Step 3 is the core of the AI's behavior. You can adjust it to:
+
+| Goal | Change |
+|---|---|
+| More optimistic estimates | Change "conservative" to "moderate" in the prompt |
+| Shorter output | Reduce `max_tokens` to `150` |
+| Include specific investment products | Add "mention specific products like Vanguard Federal Money Market or 6-month T-bills" |
+| Add a disclaimer | Append "End with one sentence reminding them this is not financial advice." |
+
+---
+
+## Cost Estimate
+
+| Model | Approx. cost per calculator use |
+|---|---|
+| Claude Opus 4.6 | ~$0.002 |
+| Claude Sonnet 4.6 | ~$0.0004 |
+| GPT-4o | ~$0.002 |
+| GPT-4o-mini | ~$0.00005 |
+
+For a landing page with low traffic, even Claude Opus is negligible cost. For scale,
+`claude-sonnet-4-6` is the best balance of quality and price.
+
+---
+
+## Security Notes
+
+- **Never expose your API key in `app.js` or any client-side code.** All AI calls must go through `server.js`.
+- Rate-limit the `/api/calculate` endpoint to prevent abuse (e.g. with `express-rate-limit`):
+
+```bash
+npm install express-rate-limit
+```
+
+```js
+const rateLimit = require('express-rate-limit');
+const calcLimiter = rateLimit({ windowMs: 60 * 1000, max: 10 }); // 10 req/min per IP
+app.use('/api/calculate', calcLimiter);
+```
diff --git a/index.html b/index.html
index c23efcb..133543f 100644
--- a/index.html
+++ b/index.html
@@ -530,5 +530,22 @@
   </div>
 
   <script src="app.js"></script>
+
+  <!-- Support Chat Widget -->
+  <script>
+    (function(d,t) {
+      var BASE_URL="https://chat.hoaledgeriq.com";
+      var g=d.createElement(t),s=d.getElementsByTagName(t)[0];
+      g.src=BASE_URL+"/packs/js/sdk.js";
+      g.async = true;
+      s.parentNode.insertBefore(g,s);
+      g.onload=function(){
+        window.chatwootSDK.run({
+          websiteToken: '1QMW1fycL5xHvd6XMfg4Dbb4',
+          baseUrl: BASE_URL
+        })
+      }
+    })(document,"script");
+  </script>
 </body>
 </html>