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Why are you using Psi4 1.3.2? That’s nearly three years old.
The crash is happening because you are passing in a value for ref_gradient, but Psi is not finding a gradient on that wavefunction. The most likely explanation is that there is no gradient on that wavefunction, though I would need a copy of the wfn.180.npy to confirm that. Either don’t pass in an argument for ref_gradient, or pass in a new wavefunction that actually does have a gradient.