return {
  dir = vim.fn.expand("~/code/nvim-ai-assist"),
  name = "nvim_ai_assist",
  lazy = false,
  cmd = { "AI", "AIHealth", "AIRefreshContext" },
  keys = {
    { "<leader>ai", ":AI<CR>",  desc = "AI command (prompt)",         mode = "n" },
    { "<leader>aA", ":AI!<CR>", desc = "AI command (auto-execute)",   mode = "n" },
    { "<leader>ah", ":AIHealth<CR>", desc = "AI health + context stats", mode = "n" },
  },
  config = function()
    require("nvim_ai_assist").setup({
      -- Active: Z.AI Coding Plan (uses ZAI_API_KEY from env)
      provider = "zai-coding",
      model    = "glm-4.7",
      max_tokens  = 300,
      temperature = 0.05,
      debug    = true,   -- writes request/response to ~/.cache/nvim/nvim_ai_assist.log; :AILog to view
      context = {
        enabled         = true,
        max_chars       = 1500,
        refresh_seconds = 60,
      },

      -- Local LM Studio fallback — uncomment to use, and comment out the
      -- provider/model lines above.
      -- The host is deliberately not written down here: this repo is public,
      -- and a LAN address is one of the things the tier split exists to keep
      -- out of it. Put yours in and do not commit it back.
      -- endpoint = "http://<lm-studio-host>:1234/v1/chat/completions",
      -- api_key  = "lm-studio",
      -- model    = "qwen3-almost-human-y1-7b",
    })
  end,
}