Financial Math (Evals) (openai#566)

# Thank you for contributing an eval! ♥️

🚨 Please make sure your PR follows these guidelines, __failure to follow
the guidelines below will result in the PR being closed automatically__.
Note that even if the criteria are met, that does not guarantee the PR
will be merged nor GPT-4 access granted. 🚨

__PLEASE READ THIS__:

In order for a PR to be merged, it must fail on GPT-4. We are aware that
right now, users do not have access, so you will not be able to tell if
the eval fails or not. Please run your eval with GPT-3.5-Turbo, but keep
in mind as we run the eval, if GPT-4 gets higher than 90% on the eval,
we will likely reject since GPT-4 is already capable of completing the
task.

We plan to roll out a way for users submitting evals to see the eval
performance on GPT-4 soon. Stay tuned! Until then, you will not be able
to see the eval performance on GPT-4. We encourage partial PR's with
~5-10 example that we can then run the evals on and share the results
with you so you know how your eval does with GPT-4 before writing all
100 examples.

## Eval details 📑
### Eval name
finance

### Eval description

Asks the model to calculate how much interest would be owed on a credit
card by a certain date, if a payment was made once but debt remains on
the card.

### What makes this a useful eval?

Finance is likely to be one of the biggest opportunities for LLMs to be
useful, because financial education is incredibly poor globally and the
impact of a mistake in financial calculations is severe. This eval tests
the models ability to combine math with its understanding of a topic
(finance). We plan to use this type of math at
[Dollarwise](https://www.dollarwise.ca) frequently going forward,
including integration into your comparison products. However, for this
to work reliably it's important that the model here can natively
understand financial concepts and apply math to them.

## Criteria for a good eval ✅

Below are some of the criteria we look for in a good eval. In general,
we are seeking cases where the model does not do a good job despite
being capable of generating a good response (note that there are some
things large language models cannot do, so those would not make good
evals).

Your eval should be:

- [X] Thematically consistent: The eval should be thematically
consistent. We'd like to see a number of prompts all demonstrating some
particular failure mode. For example, we can create an eval on cases
where the model fails to reason about the physical world.
- [X] Contains failures where a human can do the task, but either GPT-4
or GPT-3.5-Turbo could not.
- [X] Includes good signal around what is the right behavior. This means
either a correct answer for `Basic` evals or the `Fact` Model-graded
eval, or an exhaustive rubric for evaluating answers for the `Criteria`
Model-graded eval.
- [X] Include at least 100 high quality examples (it is okay to only
contribute 5-10 meaningful examples and have us test them with GPT-4
before adding all 100)

If there is anything else that makes your eval worth including, please
document it below.

### Unique eval value

> Insert what makes your eval high quality that was not mentioned above.
(Not required)

## Eval structure 🏗️

Your eval should
- [X] Check that your data is in `evals/registry/data/{name}`
- [X] Check that your yaml is registered at
`evals/registry/evals/{name}.yaml`
- [X] Ensure you have the right to use the data you submit via this eval

(For now, we will only be approving evals that use one of the existing
eval classes. You may still write custom eval classes for your own
cases, and we may consider merging them in the future.)

## Final checklist 👀

### Submission agreement

By contributing to Evals, you are agreeing to make your evaluation logic
and data under the same MIT license as this repository. You must have
adequate rights to upload any data used in an Eval. OpenAI reserves the
right to use this data in future service improvements to our product.
Contributions to OpenAI Evals will be subject to our usual Usage
Policies (https://platform.openai.com/docs/usage-policies).

- [X] I agree that my submission will be made available under an MIT
license and complies with OpenAI's usage policies.

### Email address validation

If your submission is accepted, we will be granting GPT-4 access to a
limited number of contributors. Access will be given to the email
address associated with the merged pull request.

- [X] I acknowledge that GPT-4 access will only be granted, if
applicable, to the email address used for my merged pull request.

### Limited availability acknowledgement

We know that you might be excited to contribute to OpenAI's mission,
help improve our models, and gain access to GPT-4. However, due to the
requirements mentioned above and high volume of submissions, we will not
be able to accept all submissions and thus not grant everyone who opens
a PR GPT-4 access. We know this is disappointing, but we hope to set the
right expectation before you open this PR.

- [X] I understand that opening a PR, even if it meets the requirements
above, does not guarantee the PR will be merged nor GPT-4 access
granted.

### Submit eval

- [X] I have filled out all required fields in the evals PR form
- [ ] (Ignore if not submitting code) I have run `pip install
pre-commit; pre-commit install` and have verified that `black`, `isort`,
and `autoflake` are running when I commit and push

Failure to fill out all required fields will result in the PR being
closed.

### Eval JSON data 

Since we are using Git LFS, we are asking eval submitters to add in as
many Eval Samples (at least 5) from their contribution here:

<details>
  <summary>View evals in JSON</summary>

  ### Eval
  ```jsonl
{"input": [{"role": "system", "content": "You are a helpful
assistant."}, {"role": "user", "content": "On the 24th of September,
Sarah had spent $1237.42 on her credit card for the month of September.
This credit card charges 21.99% interest rate annually on outstanding
credit starting on the 1st of the following month. Presume that interest
is only charged at the end of each additional day. Example: From the 1st
of the month to the 8th would be 7 days of interest accrued.Today is the
27th of September and Sarah makes a payment of $125 towards her credit
card. How much interest will she have been charged by October 15th if
she makes no additional payments? If the final interest figure is more
than 2-decimal places, always round down. Answer ONLY with a dollar
figure. Do not output any logic, output only the dollar figure for how
much interest she was charged for the period."}], "ideal": "9.42"}
{"input": [{"role": "system", "content": "You are a helpful
assistant."}, {"role": "user", "content": "On the 19th of February,
Jason had spent $15.21 on his credit card for the month of February.
This credit card charges 21.99% interest rate annually on outstanding
credit starting on the 1st of the following month. Presume that interest
is only charged at the end of each additional day. Example: From the 1st
of the month to the 8th would be 7 days of interest accrued. Today is
the 23rd of February and he makes a payment of $1 towards his credit
card. How much interest will he have been charged by March 10th if he
makes no additional payments? If the final interest figure is more than
2-decimal places, always round down. Answer ONLY with a dollar figure.
Do not output any logic, output only the dollar figure for how much
interest she was charged for the period."}], "ideal": "0.07"}
{"input": [{"role": "system", "content": "You are a helpful
assistant."}, {"role": "user", "content": "On the 12th of February,
Jason had spent $10,674.21 on his credit card for the month of February.
This credit card charges 21.99% interest rate annually on outstanding
credit starting on the 1st of the following month. Presume that interest
is only charged at the end of each additional day. Example: From the 1st
of the month to the 8th would be 7 days of interest accrued. Today is
the 18th of February and he makes a payment of $1,000 towards his credit
card. How much interest will he have been charged by March 10th if he
makes no additional payments? If the final interest figure is more than
2-decimal places, always round down. Answer ONLY with a dollar figure.
Do not output any logic, output only the dollar figure for how much
interest she was charged for the period."}], "ideal": "52.59"}
{"input": [{"role": "system", "content": "You are a helpful
assistant."}, {"role": "user", "content": "On the 2nd of August, Jason
had spent $15,674.21 on his credit card for the month of August. This
credit card charges 21.99% interest rate annually on outstanding credit
starting on the 1st of the following month. Presume that interest is
only charged at the end of each additional day. Example: From the 1st of
the month to the 8th would be 7 days of interest accrued. Today is the
18th of August and he makes a payment of $1,000 towards his credit card.
How much interest will he have been charged by September 10th if he
makes no additional payments? If the final interest figure is more than
2-decimal places, always round down. Answer ONLY with a dollar figure.
Do not output any logic, output only the dollar figure for how much
interest she was charged for the period."}], "ideal": "79.77"}
{"input": [{"role": "system", "content": "You are a helpful
assistant."}, {"role": "user", "content": "On the 15th of August, Jason
had spent $1000 on his credit card for the month of August. This credit
card charges 21.99% interest rate annually on outstanding credit
starting on the 1st of the following month. Presume that interest is
only charged at the end of each additional day. Example: From the 1st of
the month to the 8th would be 7 days of interest accrued. mToday is the
18th of August and he makes a payment of $1000 towards his credit card.
How much interest will he have been charged by September 10th if he
makes no additional payments? If the final interest figure is more than
2-decimal places, always round down. Answer ONLY with a dollar figure.
Do not output any logic, output only the dollar figure for how much
interest she was charged for the period."}], "ideal": "0.00"}
  ```
</details>

evals/registry/evals/finance.yaml

@@ -0,0 +1,8 @@
+finance:
+ id: finance.dev.v0
+ description: Test the model's ability to understand financial concepts and do math.
+ metrics: [accuracy]
+finance.dev.v0:
+ class: evals.elsuite.basic.fuzzy_match:FuzzyMatch
+ args:
+ samples_jsonl: finance/credit.jsonl