# Yodlee Sandbox API Credentials
# Copy this file to .env and fill in your actual credentials

# Your Yodlee API client ID
YODLEE_CLIENT_ID=your_client_id_here

# Your Yodlee API secret
YODLEE_CLIENT_SECRET=your_client_secret_here

# Test user login names (comma-separated list for multiple users)
# The first login name will be selected by default in the UI
# Example with multiple users:
#   YODLEE_LOGIN_NAMES=user1,user2,user3,user4,user5
# Example with single user:
#   YODLEE_LOGIN_NAMES=sbMemuser1
YODLEE_LOGIN_NAMES=your_login_name_here

# Legacy single login name (deprecated, use YODLEE_LOGIN_NAMES instead)
# If YODLEE_LOGIN_NAMES is not set, this will be used as fallback
YODLEE_LOGIN_NAME=your_login_name_here

# Yodlee Sandbox API base URL
YODLEE_BASE_URL=https://sandbox.api.yodlee.com/ysl

# =============================================================================
# Text-to-Speech Configuration (Optional)
# =============================================================================
# Two TTS providers are supported: ElevenLabs and OpenAI
# Configure one or both for real-time audio generation
# If no API keys are set, the app runs in "demo mode" with pre-generated samples

# =============================================================================
# ElevenLabs TTS (Option 1)
# =============================================================================
# Get your API key from: https://elevenlabs.io/app/settings/api-keys
# Free tier: 10,000 characters/month (~20-25 audio summaries)
ELEVENLABS_API_KEY=your_elevenlabs_api_key_here

# Voice ID for ElevenLabs (required when using ElevenLabs)
# Browse voices at: https://elevenlabs.io/voice-library
# Recommended voices for financial summaries:
#   - Chris (iP95p4xoKVk53GoZ742B): Natural, conversational American male
#   - Eric (cjVigY5qzO86Huf0OWal): Smooth, classy, good for professional content
#   - Roger (CwhRBWXzGAHq8TQ4Fs17): Easy going, casual conversations
#   - Lily (pFZP5JQG7iQjIQuC4Bku): Warm British female, clear articulation
ELEVENLABS_VOICE_ID=iP95p4xoKVk53GoZ742B

# =============================================================================
# OpenAI TTS (Option 2)
# =============================================================================
# Get your API key from: https://platform.openai.com/api-keys
# Important: Ensure your API key has the "model.request" scope for TTS access
# Pricing: ~$0.015 per 1,000 characters (pay-as-you-go)
OPENAI_API_KEY=your_openai_api_key_here

# Voice for OpenAI TTS (required when using OpenAI)
# Available voices: alloy, echo, fable, onyx, nova, shimmer
# Recommended for financial summaries:
#   - onyx: Deep, authoritative male voice
#   - nova: Warm, expressive female voice
#   - alloy: Balanced, neutral tone
OPENAI_TTS_VOICE=onyx