fix: use hardcoded default base URL for report_url fallback

The SCHWAB_MCP_BASE_URL env var may not be set in all deployment
environments. Default to https://schwab-mcp.ext.ben.io so the
report_url enrichment works out of the box.

server.py

@@ -69,6 +69,8 @@ try:
 except Exception:
     _startup_logger.info("schwab-scraper package version: (unknown)")
 
+_DEFAULT_BASE_URL = "https://schwab-mcp.ext.ben.io"
+
 
 # ---------------------------------------------------------------------------
 # Log capture helper — captures scraper logs to a string buffer AND tees
@@ -477,9 +479,8 @@ async def get_morningstar_data(ticker: str, debug: bool = False) -> str:
     ):
         data = result["data"]
         if hasattr(data, "report_url") and data.report_url is None and data.source is not None:
-            base = os.getenv("SCHWAB_MCP_BASE_URL", "").rstrip("/")
-            if base:
-                data.report_url = f"{base}/reports/{ticker.upper()}/pdf"
+            base = os.getenv("SCHWAB_MCP_BASE_URL", _DEFAULT_BASE_URL).rstrip("/")
+            data.report_url = f"{base}/reports/{ticker.upper()}/pdf"
 
     return serialize(result)