Clarify that annualIncome is the total per year, and payment frequency
describes the cash flow timing of installments — not a multiplier on income.
Include per-installment dollar amount so the model understands cash float correctly.
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
- Button loading spinner + disable on submit to prevent duplicate AI calls
- Email field and opt-in consent checkbox on calculator form (checked by default)
- Privacy assurance blurb below opt-in
- Refinement blurb on results screen explaining live cash-flow optimization
- calc_submissions SQLite table stores form inputs, computed results, AI text, email, opt-in
- GET /api/calc-submissions endpoint (x-admin-key protected) to retrieve submissions
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
- server.js: add /api/calculate endpoint using openai SDK with configurable
AI_API_URL, AI_API_KEY, AI_MODEL, AI_DEBUG env vars (works with any
OpenAI-compatible provider: NVIDIA NIM, Together AI, Groq, Ollama, etc.)
- app.js: make calculator submit handler async; call /api/calculate with
graceful fallback to client-side generated text if AI is unavailable
- package.json: add openai and dotenv dependencies
- AI_SETUP.md: rewrite to document new unified env var config with provider examples
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
- Insert Chatwoot chat widget script at bottom of index.html body
(connects to chat.hoaledgeriq.com with token 1QMW1fycL5xHvd6XMfg4Dbb4)
- Add AI_SETUP.md documenting how to upgrade the benefit calculator
from client-side math to live AI API calls (Claude or OpenAI),
including endpoint code, app.js changes, prompt tuning, cost
estimates, and rate limiting guidance
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
- New "✦ Calculate Your Interest Income Potential" button between hero CTAs
with gradient border styling distinct from primary/ghost buttons
- Modal overlay collects: homesites, property type, annual dues + frequency,
reserve fund balance, and 2025 actual interest income
- Conservative calculation model: 4.0% HYSA for operating cash, 4.25% CD
ladder for 65% of investable reserves; operating multiplier varies by
payment frequency (monthly 10%, quarterly 20%, annual 35%)
- Results screen shows animated dollar counter, operating vs reserve
breakdown, AI-style narrative recommendation, and direct CTA to signup
- Modal closes on backdrop click or Escape key; CTA closes modal and
scrolls to early access signup form
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
