// Budget & Costs page data
const BUDGET_LANES = [
  {
    id: "under-50",
    num: "01",
    topic: "For the Ultralight Wallet",
    badge: "Most popular tier",
    title: "Under",
    titleEm: "$50/Day.",
    desc: "Hostels, street food, overnight buses. The tier that forces creativity and rewards patience. More people live here than admit it.",
    count: "48 guides",
    read: "Backpacker · Hostel · Street food",
    img: "https://images.unsplash.com/photo-1555066931-4365d14bab8c?w=1600&q=80",
    size: "xl",
  },
  {
    id: "50-100",
    num: "02",
    topic: "The Comfortable Middle",
    badge: "Most planned",
    title: "$50–100",
    titleEm: "Per Day.",
    desc: "A private room, a sit-down lunch, one nice dinner a week. The most researched tier — it rewards the traveler who plans.",
    count: "62 guides",
    read: "Mid-range · Private rooms",
    img: "https://images.unsplash.com/photo-1566073771259-6a8506099945?w=1200&q=80",
    size: "md",
  },
  {
    id: "100-200",
    num: "03",
    topic: "Most of Us, If We're Honest",
    title: "$100–200",
    titleEm: "Per Day.",
    desc: "Boutique hotels. Sit-down every meal. Taxis when you're tired. The tier that doesn't require you to justify every coffee.",
    count: "44 guides",
    read: "Boutique · Comfort",
    img: "https://images.unsplash.com/photo-1520250497591-112f2f40a3f4?w=1200&q=80",
    size: "md",
  },
  {
    id: "luxury",
    num: "04",
    topic: "The Once-in-a-Life Tier",
    badge: "Once",
    title: "Luxury",
    titleEm: "$200+/Day.",
    desc: "Five-star. Private transfers. The trips you talk about for years. We're not here to talk you out of it.",
    count: "31 guides",
    read: "Five-star · Private · Splurge",
    img: "https://images.unsplash.com/photo-1571896349842-33c89424de2d?w=1600&q=80",
    size: "wide",
  },
  {
    id: "points-miles",
    num: "05",
    topic: "The Parallel Currency",
    title: "Points",
    titleEm: "& Miles.",
    desc: "Free flights. Free hotels. The system that rewards the organized. It is learnable. We wrote the manual.",
    count: "27 guides",
    read: "Rewards · Credit cards · Hacks",
    img: "https://images.unsplash.com/photo-1436491865332-7a61a109cc05?w=1200&q=80",
    size: "sm",
  },
  {
    id: "hidden-costs",
    num: "06",
    topic: "What Nobody Warns You About",
    title: "Hidden",
    titleEm: "Costs.",
    desc: "Visas. Checked bags. Transit cards. The gear you forgot. The costs that arrive after you've already said yes.",
    count: "19 guides",
    read: "Visas · Gear · Transit",
    img: "https://images.unsplash.com/photo-1578662996442-48f60103fc96?w=1200&q=80",
    size: "sm",
  },
  {
    id: "currency-cash",
    num: "07",
    topic: "Carry, Withdraw, Survive",
    title: "Currency",
    titleEm: "& Cash.",
    desc: "ATM fees abroad. The exchange rate they don't advertise. Which card to carry. How much cash, always.",
    count: "22 guides",
    read: "ATMs · Exchange · Cards",
    img: "https://images.unsplash.com/photo-1580519542036-c47de6196ba5?w=1200&q=80",
    size: "sm",
  },
  {
    id: "saving",
    num: "08",
    topic: "The 12-Month Build-Up",
    badge: "Start here",
    title: "Saving",
    titleEm: "Before You Go.",
    desc: "The sinking fund. The slow accumulation. The moment a trip stops being hypothetical. Start twelve months out; most people start three.",
    count: "16 guides",
    read: "Sinking fund · Pre-trip",
    img: "https://images.unsplash.com/photo-1579621970795-87facc2f976d?w=1200&q=80",
    size: "lg",
  },
];

const BUDGET_FAQS = [
  {
    q: "What daily budget should I plan for my first trip?",
    a: "Start with the destination's mid-range: that's usually the $50–100/day tier for Southeast Asia, $80–140/day for Western Europe, and $60–120/day for Latin America. Budget 20% more than your estimate — not because you'll necessarily spend it, but because first trips always surface costs you didn't anticipate. Gear, visa photos, airport transfers, the taxi when you're exhausted."
  },
  {
    q: "Do points and miles work if I don't fly constantly?",
    a: "Yes, with different mechanics. Frequent-flier miles require volume. But credit card transferable points — Chase Ultimate Rewards, Amex Membership Rewards, Capital One Miles — accumulate on everyday spend: groceries, subscriptions, gas. One international business-class redemption can be worth $3,000 at 60,000 points. You don't need to be a road warrior to get there in 18 months."
  },
  {
    q: "What's the single biggest hidden cost people miss?",
    a: "Travel insurance — specifically, the gap between what they think it covers and what it actually does. Medical evacuation from a remote destination can cost $80,000. Most people's credit card travel insurance doesn't include that. Read the policy. The premium for a three-week trip rarely exceeds $120. The evacuation bill can exceed a year's salary."
  },
  {
    q: "Is luxury travel worth it?",
    a: "On certain trips, for certain people, absolutely. The question to ask isn't whether the price is high — it's whether the alternative is worse. Crossing Southeast Asia in comfort at 60 is different from crossing it on a budget at 25. Bucket-list trips to remote destinations often require a lodge price that includes access, guiding, and conservation fees you can't separate out. Worth isn't universal. Context is everything."
  },
  {
    q: "How far in advance should I start a travel savings fund?",
    a: "Twelve months is the honest answer. Eighteen months is better. Most people start three months out and end up spending money they'd earmarked for something else. A dedicated sinking fund — a separate account, automatic monthly transfer, named 'Portugal 2027' — removes the willpower problem. The act of naming the fund is more powerful than the interest rate."
  },
];

const BUILDER_PANELS = [
  {
    tag: "ACCOMMODATION",
    title: "Where you sleep sets the floor.",
    desc: "Accommodation typically accounts for 35–50% of total daily spend. A shift from hostel dorm to private room adds $20–30/day in most markets. From budget hotel to boutique adds another $60–80.",
    stat: "40%",
    statLabel: "of daily spend, on average",
  },
  {
    tag: "FOOD",
    title: "Three meals a day, two tiers.",
    desc: "Street food and local markets: $8–15/day. One sit-down meal a day adds $15–25. Full restaurant days run $40–70+ in developed markets. The biggest swing variable in any budget.",
    stat: "28%",
    statLabel: "of spend — or 55% if you always sit down",
  },
  {
    tag: "TRANSPORT",
    title: "The cost of moving.",
    desc: "Local transit, airport transfers, intercity buses. Taxis add up faster than flights. A month of Ubers can cost more than the original plane ticket. Track it from day one.",
    stat: "18%",
    statLabel: "of daily budget, but spikes on travel days",
  },
  {
    tag: "ACTIVITIES",
    title: "The reason you went.",
    desc: "Museum entries, guided tours, diving certificates, safari game drives. Activities are where budgets break down because they feel optional until you're standing outside the thing. Price them in advance.",
    stat: "14%",
    statLabel: "budget average — up to 40% on activity-heavy trips",
  },
  {
    tag: "THE MISCELLANEOUS LINE",
    title: "Budget for the line you can't name.",
    desc: "SIM cards. Laundry. Sunscreen at airport prices. The souvenir you didn't plan. The pharmacist. A $20 emergency umbrella. Call it $12–25/day and stop arguing with it.",
    stat: "$15",
    statLabel: "per day is a reasonable miscellaneous buffer",
  },
];

const BUDGET_DECIDE = [
  { q: "Your accommodation preference…", opts: ["Hostel dorm", "Private budget", "Boutique hotel", "Five-star"] },
  { q: "You eat…", opts: ["Street food only", "Mix of both", "Mostly sit-down", "Wherever I want"] },
  { q: "Trip length…", opts: ["Under a week", "1–2 weeks", "3–4 weeks", "A month+"] },
  { q: "This trip is…", opts: ["Tight year", "Normal year", "Treating myself", "Once in life"] },
];

const BUDGET_READING = [
  { tag: "Method", duration: "12 min", title: "The Daily-Spend Framework" },
  { tag: "Points", duration: "9 min", title: "How to Book a Business-Class Flight for Free", em: "(Without Flying Constantly.)" },
  { tag: "Hidden", duration: "8 min", title: "The Twelve Costs Nobody Puts in the Budget" },
  { tag: "Currency", duration: "6 min", title: "ATMs Abroad. The Card That Costs Nothing." },
  { tag: "Saving", duration: "10 min", title: "The Sinking Fund Method, Explained" },
  { tag: "Luxury", duration: "7 min", title: "When Spending More Is Actually Spending Less" },
];

Object.assign(window, {
  BUDGET_LANES, BUDGET_FAQS, BUILDER_PANELS, BUDGET_DECIDE, BUDGET_READING,
});