Find formal charge

Question

In the Lewis dot structure for phosphoric acid, H₃PO₄, phosphorus and the oxygen without a hydrogen have formal charge of ___ and ___, respectively. Assume that the octet rule is not violated.

The answer is +1, -1

Either I drew it wrong because I got 0,0

Answer 1

The explanation of +1 for phosphorus is that by not breaking the octet rule, P should only have 4 single bonds. It has 5 valence electrons to give so it's charge is +1 .

-1 for oxygen is because it has 6 valence electrons to give but has 7 valence electrons with this lewis dot structure.

As for why oxygen has the negative charge over phosphorus, it's because oxygen is more electronegative than phosphorus.