{"message":"🏦 Welcome to LoanAssist API! We're not a bank, but we play one on the internet.","funFact":"Did you know? The word 'mortgage' comes from Old French and literally means 'death pledge'. Cheerful, right?","status":"fully operational and ready to assist!","timestamp":"2026-10-11T18:16:17.303Z","endpoints":{"health":"/health","chat":"/api/chat","email":"/api/email"}}