diff --git a/fix_issue_76.py b/fix_issue_76.py
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+++ b/fix_issue_76.py
@@ -0,0 +1,3 @@
+```json
+{
+  "solution_code": "### FILE: app/routes/privacy.py\n\n```python\nimport csv\nimport io\nimport json\nimport logging\nimport os\nimport zipfile\nfrom datetime import datetime, timezone\n\nfrom flask import Blueprint, Response, g, jsonify, request, stream_with_context\nfrom flask_jwt_extended import get_jwt_identity, jwt_required\n\nfrom app.db import get_db\nfrom app.tasks import export_scheduler\nfrom app.utils.audit import log_audit_event\nfrom app.utils.redis_client import delete_user_cache\n\nlogger = logging.getLogger(__name__)\n\nprivacy_bp = Blueprint('privacy', __name__, url_prefix='/users')\n\n\n# ---------------------------------------------------------------------------\n# Helper: fetch all user data from DB\n# ---------------------------------------------------------------------------\n\ndef _fetch_user_data(conn, user_id: int) -> dict:\n    cur = conn.cursor()\n\n    def query(sql, params):\n        cur.execute(sql, params)\n        cols = [d[0] for d in cur.description]\n        return [dict(zip(cols, row)) for row in cur.fetchall()]\n\n    profile = query(\n        \"\"\"SELECT id, email, full_name, created_at, updated_at\n           FROM users WHERE id = %s\"\"\",\n        (user_id,)\n    )\n\n    expenses = query(\n        \"\"\"SELECT e.id, c.name AS category, e.amount, e.description,\n                  e.date, e.created_at\n           FROM expenses e\n           LEFT JOIN categories c ON c.id = e.category_id\n           WHERE e.user_id = %s\n           ORDER BY e.date DESC\"\"\",\n        (user_id,)\n    )\n\n    bills = query(\n        \"\"\"SELECT id, name, amount, due_date, is_paid, paid_at, created_at\n           FROM bills WHERE user_id = %s ORDER BY due_date\"\"\",\n        (user_id,)\n    )\n\n    reminders = query(\n        \"\"\"SELECT id, bill_id, remind_at, channel, sent, created_at\n           FROM reminders WHERE user_id = %s ORDER BY remind_at\"\"\",\n        (user_id,)\n    )\n\n    categories = query(\n        \"\"\"SELECT id, name, budget_limit, created_at\n           FROM categories WHERE user_id = %s ORDER BY name\"\"\",\n        (user_id,)\n    )\n\n    subscriptions = query(\n        \"\"\"SELECT us.id, sp.name AS plan, us.started_at, us.expires_at, us.status\n           FROM user_subscriptions us\n           JOIN subscription_plans sp ON sp.id = us.plan_id\n           WHERE us.user_id = %s\"\"\",\n        (user_id,)\n    )\n\n    cur.close()\n    return {\n        'profile': profile,\n        'categories': categories,\n        'expenses': expenses,\n        'bills': bills,\n        'reminders': reminders,\n        'subscriptions': subscriptions,\n        'exported_at': datetime.now(timezone.utc).isoformat(),\n    }\n\n\ndef _serialize_dates(obj):\n    \"\"\"JSON serialiser that handles date/datetime objects.\"\"\"\n    if isinstance(obj, (datetime,)):\n        return obj.isoformat()\n    from datetime import date\n    if isinstance(obj, date):\n        return obj.isoformat()\n    raise TypeError(f'Type {type(obj)} not serialisable')\n\n\ndef _build_zip(data: dict) -> bytes:\n    \"\"\"Pack user data into an in-memory ZIP with JSON + CSV files.\"\"\"\n    buf = io.BytesIO()\n    with zipfile.ZipFile(buf, 'w', zipfile.ZIP_DEFLATED) as zf:\n        # master JSON\n        zf.writestr(\n            'data.json',\n            json.dumps(data, indent=2, default=_serialize_dates)\n        )\n        # per-section CSVs\n        for section, rows in data.items():\n            if not isinstance(rows, list) or not rows:\n                continue\n            csv_buf = io.StringIO()\n            writer = csv.DictWriter(csv_buf, fieldnames=rows[0].keys())\n            writer.writeheader()\n            for row in rows:\n                writer.writerow(\n                    {k: v.isoformat() if isinstance(v, (datetime,)) else v\n                     for k, v in row.items()}\n                )\n            zf.writestr(f'{section}.csv', csv_buf.getvalue())\n\n        # human-readable README\n        zf.writestr('README.txt', (\n            'FinMind — Personal Data Export\\n'\n            '================================\\n'\n            f'Exported at: {data[\"exported_at\"]}\\n\\n'\n            'Files:\\n'\n            '  data.json          — complete data set (JSON)\\n'\n            '  profile.csv        — account information\\n'\n            '  expenses.csv       — expense records\\n'\n            '  bills.csv          — bill records\\n'\n            '  reminders.csv      — reminder records\\n'\n            '  categories.csv     — categories\\n'\n            '  subscriptions.csv  — subscription history\\n\\n'\n            'To request deletion contact: privacy@finmind.app\\n'\n        ))\n    buf.seek(0)\n    return buf.read()\n\n\n# ---------------------------------------------------------------------------\n# GET /users/export\n# ---------------------------------------------------------------------------\n\n@privacy_bp.route('/export', methods=['GET'])\n@jwt_required()\ndef export_data():\n    \"\"\"\n    Generate and return a ZIP archive containing all personal data\n    associated with the authenticated user.\n\n    Headers added for GDPR compliance.\n    \"\"\"\n    user_id = int(get_jwt_identity())\n    conn = get_db()\n\n    try:\n        data = _fetch_user_data(conn, user_id)\n        zip_bytes = _build_zip(data)\n    except Exception as exc:\n        logger.exception('Export failed for user %s', user_id)\n        return jsonify({'error': 'Export generation failed', 'detail': str(exc)}), 500\n\n    log_audit_event(\n        conn,\n        user_id=user_id,\n        action='DATA_EXPORT',\n        detail={\n            'records': {\n                k: len(v) for k, v in data.items() if isinstance(v, list)\n            },\n            'ip': request.remote_addr,\n        }\n    )\n    conn.commit()\n\n    filename = f'finmind-export-{user_id}-{datetime.now(timezone.utc).strftime(\"%Y%m%d%H%M%S\")}.zip'\n    response = Response(\n        zip_bytes,\n        status=200,\n        mimetype='application/zip',\n        headers={\n            'Content-Disposition': f'attachment; filename=\"{filename}\"',\n            'Content-Length': str(len(zip_bytes)),\n            # GDPR / privacy headers\n            'Cache-Control': 'no-store, no-cache, must-revalidate, private',\n            'Pragma': 'no-cache',\n            'X-Content-Type-Options': 'nosniff',\n            'X-Robots-Tag': 'none',\n        }\n    )\n    return response\n\n\n# ---------------------------------------------------------------------------\n# DELETE /users/delete\n# ---------------------------------------------------------------------------\n\n@privacy_bp.route('/delete', methods=['DELETE'])\n@jwt_required()\ndef delete_account():\n    \"\"\"\n    Permanently and irreversibly delete the authenticated user's account\n    and all associated data.\n\n    Body (JSON):\n        confirm  (str, required) — must equal the string \"DELETE\"\n        reason   (str, optional) — reason provided by the user\n\n    Workflow:\n        1. Validate confirmation token\n        2. Write audit log entry BEFORE deletion\n        3. Hard-delete all user data (cascade via FK constraints)\n        4. Purge Redis cache keys\n        5. Respond 200 — caller must discard JWT client-side\n    \"\"\"\n    user_id = int(get_jwt_identity())\n    body = request.get_json(silent=True) or {}\n\n    if body.get('confirm') != 'DELETE':\n        return jsonify({\n            'error': 'Confirmation required',\n            'detail': 'Send JSON body {\"confirm\": \"DELETE\"} to proceed.'\n        }), 400\n\n    reason = body.get('reason', 'Not provided')\n    conn = get_db()\n    cur = conn.cursor()\n\n    try:\n        # ----------------------------------------------------------------\n        # 1. Capture a snapshot for the audit record BEFORE deleting\n        # ----------------------------------------------------------------\n        cur.execute(\n            'SELECT email, full_name, created_at FROM users WHERE id = %s',\n            (user_id,)\n        )\n        row = cur.fetchone()\n        if not row:\n            cur.close()\n            return jsonify({'error': 'User not found'}), 404\n\n        email, full_name, created_at = row\n\n        # ----------------------------------------------------------------\n        # 2. Write the audit log entry (survives user deletion because\n        #    audit_logs.user_id has ON DELETE SET NULL)\n        # ----------------------------------------------------------------\n        log_audit_event(\n            conn,\n            user_id=user_id,\n            action='ACCOUNT_DELETE_INITIATED',\n            detail={\n                'email': email,\n                'full_name': full_name,\n                'account_created_at': created_at.isoformat() if hasattr(created_at, 'isoformat') else str(created_at),\n                'deletion_reason': reason,\n                'ip': request.remote_addr,\n                'user_agent': request.user_agent.string,\n            }\n        )\n\n        # ----------------------------------------------------------------\n        # 3. Hard delete — rely on FK ON DELETE CASCADE for child tables\n        #    (expenses, bills, reminders, categories, tokens, etc.)\n        # ----------------------------------------------------------------\n        _hard_delete_user(cur, user_id)\n\n        # ----------------------------------------------------------------\n        # 4. Final audit record (user_id will be NULL after delete)\n        # ----------------------------------------------------------------\n        log_audit_event(\n            conn,\n            user_id=None,          # user is gone\n            action='ACCOUNT_DELETE_COMPLETED',\n            detail={\n                'deleted_user_id': user_id,\n                'email_hash': _hash_email(email),\n                'ip': request.remote_addr,\n            }\n        )\n\n        conn.commit()\n        cur.close()\n\n    except Exception as exc:\n        conn.rollback()\n        cur.close()\n        logger.exception('Deletion failed for user %s', user_id)\n        return jsonify({'error': 'Deletion failed', 'detail': str(exc)}), 500\n\n    # ----------------------------------------------------------------\n    # 5. Purge Redis cache (best-effort, non-fatal)\n    # ----------------------------------------------------------------\n    try:\n        delete_user_cache(user_id)\n    except Exception:\n        logger.warning('Redis cache purge failed for deleted
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