/* eslint-disable */
// Money Abroad — first-trip L3 hub data.
// Twelve money topics for a first international trip, eight situations
// you'll meet on the road, the desk, the brief, and the questions readers send in.
// Every URL has been verified against Supabase. No href="#" allowed.

const MA_META = {
  count: 28,
  newThisSeason: 6,
  authors: 4,
  topAge: "26 – 42",
  updated: "May 2026",
};

// I — TWELVE MONEY TOPICS, ONE TRIP.
// Order is editorial. The seed opens because it is the canonical primer
// every first-time traveler should read before booking.
const MA_TOPICS = [
  { id: "handle-money", rank: 1, kind: "Primer", category: "Card setup",
    img: "https://images.unsplash.com/photo-1580048915913-4f8f5cb481c4?w=1600&q=80",
    coord: "FEE · 0.0% · WITH SETUP", tag: "Start here",
    title: "Handle money abroad",
    sub: "without losing it to fees.",
    why: "The primer. Two cards before you fly, no foreign-transaction fees on either, decline dynamic currency conversion every single time. Card fees can quietly eat 3–10% of a trip; with the right setup, it's zero.",
    best: ["Card setup", "Pre-trip", "Fees"],
    href: "/en/experiences/money/how-to-handle-money-abroad" },

  { id: "atm-fees", rank: 2, kind: "How-to", category: "ATMs",
    img: "https://images.unsplash.com/photo-1601597111158-2fceff292cdc?w=1200&q=80",
    coord: "MGMT · CARDS + CASH", tag: null,
    title: "Manage money & avoid",
    sub: "ATM fees abroad.",
    why: "The on-the-road sequel to the primer. Which ATMs to use, which to refuse, how often to withdraw, where to keep the cash once you do. The honest math on bank-partner networks.",
    best: ["ATMs", "Bank partners", "On the road"],
    href: "/en/on-the-ground/manage-money-and-avoid-atm-fees-abroad" },

  { id: "use-atms", rank: 3, kind: "How-to", category: "ATMs",
    img: "https://images.unsplash.com/photo-1556742502-ec7c0e9f34b1?w=1200&q=80",
    coord: "ATM · BANK ONLY · NEVER EURONET", tag: "Most read",
    title: "Use ATMs abroad",
    sub: "without paying fees.",
    why: "The Schwab/Fidelity playbook in detail: which US banks reimburse worldwide, why standalone machines (Euronet, Travelex) charge double, and the one screen you must say no to.",
    best: ["Schwab", "Fidelity", "Reimbursement"],
    href: "/en/on-the-ground/money/how-to-use-atms-abroad" },

  { id: "exchange-currency", rank: 4, kind: "How-to", category: "Exchange",
    img: "https://images.unsplash.com/photo-1601597111158-2fceff292cdc?w=1200&q=80",
    coord: "FX · MID-MARKET ± 1%", tag: null,
    title: "Exchange currency",
    sub: "without losing money.",
    why: "Why airport counters take 10–15% off the top, why hotel desks are worse, and the small rule that beats both: read the buy/sell spread, not the headline rate. One screenshot to take before you fly.",
    best: ["Spreads", "Airports", "Hotels"],
    href: "/en/on-the-ground/money/how-to-exchange-currency" },

  { id: "reduce-fx-losses", rank: 5, kind: "Brief", category: "Exchange",
    img: "https://images.unsplash.com/photo-1607863680198-23d4b2565df0?w=1200&q=80",
    coord: "FX LOSS · 1.0 → 0.2 %", tag: null,
    title: "Reduce currency",
    sub: "exchange losses.",
    why: "The compounded math of a six-trip year: 3% per swipe is real money. The two-card stack, the Wise multi-currency account, the one app that shows mid-market in real time. Boring, durable, free.",
    best: ["Math", "Wise", "Mid-market"],
    href: "/en/budget/reduce-currency-exchange-losses" },

  { id: "best-rates", rank: 6, kind: "How-to", category: "Exchange",
    img: "https://images.unsplash.com/photo-1601597111158-2fceff292cdc?w=1200&q=80&blur=20",
    coord: "RATE · WHERE TO LOOK", tag: null,
    title: "Find the best",
    sub: "exchange rates abroad.",
    why: "Where the real rate lives (XE, Google, your bank's app — in that order), and why the storefront board is theatre. A 30-second check before any cash transaction.",
    best: ["XE", "Apps", "Spread check"],
    href: "/en/planning/finance/how-to-find-best-exchange-rates" },

  { id: "best-card", rank: 7, kind: "Pre-trip", category: "Cards",
    img: "https://images.unsplash.com/photo-1556742400-b5b7c5121f5b?w=1200&q=80",
    coord: "CARD · NO FTF · CHIP+PIN", tag: null,
    title: "Find the best",
    sub: "travel credit card.",
    why: "Apply 60 days before the trip, not two weeks. The four lines on a card's terms page that decide whether it's a travel card or a costume — foreign transaction fee, chip-and-PIN, lounge access, primary CDW.",
    best: ["No FTF", "Chip+PIN", "Pre-trip"],
    href: "/en/planning/finance/how-to-find-best-travel-credit-card" },

  { id: "card-points", rank: 8, kind: "Strategy", category: "Cards",
    img: "https://images.unsplash.com/photo-1563013544-824ae1b704d3?w=1200&q=80",
    coord: "POINTS · 1 RT / YEAR", tag: null,
    title: "Use credit-card",
    sub: "points for free flights.",
    why: "The 80,000-point sign-up bonus you should not chase if you carry a balance, and should chase if you don't. Transfer partners that beat the in-portal price by 2–3×. One yearly award redemption that pays the card.",
    best: ["Sign-up bonus", "Transfers", "Awards"],
    href: "/en/budget/use-credit-card-points-for-free-flights" },

  { id: "local-banking", rank: 9, kind: "Long-stay", category: "Local",
    img: "https://images.unsplash.com/photo-1450101499163-c8848c66ca85?w=1200&q=80",
    coord: "LOCAL · 14+ DAYS", tag: null,
    title: "Use local banking &",
    sub: "exchange services abroad.",
    why: "When the trip is long enough to justify a local debit card, a multi-currency account, or a casa de cambio with an actual relationship. The threshold is around two weeks; under that, don't bother.",
    best: ["Long stay", "Casas", "Relationships"],
    href: "/en/on-the-ground/use-local-banking-and-exchange-services-abroad" },

  { id: "sim-cash-arrival", rank: 10, kind: "Arrival", category: "Day one",
    img: "https://images.unsplash.com/photo-1502920917128-1aa500764cbd?w=1200&q=80",
    coord: "ARRIVAL · SIM + ¥10K", tag: "Day one",
    title: "Get cash & a SIM",
    sub: "when you land.",
    why: "The 12 minutes between baggage claim and the taxi rank. The bank ATM on the right, not the exchange counter on the left. Local SIM at the airport convenience store, not the carrier kiosk.",
    best: ["Airport", "First hour", "SIM"],
    href: "/en/on-the-ground/arrival/airport-to-city/sim-cash-arrival" },

  { id: "cashback-apps", rank: 11, kind: "Stack", category: "Apps",
    img: "https://images.unsplash.com/photo-1611348586804-61bf6c080437?w=1200&q=80",
    coord: "STACK · APP + CARD", tag: null,
    title: "Use cashback apps",
    sub: "while traveling internationally.",
    why: "Rakuten and Capital One Shopping work on hotel bookings abroad more often than you think. A 4–8% rebate on a four-night stay is a free dinner. The two apps worth installing; the rest are noise.",
    best: ["Rakuten", "Hotels", "Stacking"],
    href: "/en/budget/use-cashback-apps-while-traveling-internationally" },

  { id: "save-on-food", rank: 12, kind: "Budget", category: "Spend",
    img: "https://images.unsplash.com/photo-1414235077428-338989a2e8c0?w=1200&q=80",
    coord: "FOOD · 30% UNDER", tag: null,
    title: "Save money on food",
    sub: "while traveling abroad.",
    why: "The two-meals-out-one-meal-in rule that holds in any city. The supermarket in the residential neighborhood beats the deli in the tourist quadrant by 60%. Cards over cash for receipts at the end of the trip.",
    best: ["Markets", "Receipts", "Daily spend"],
    href: "/en/budget/save-money-on-food-while-traveling-abroad" },
];

// III — EIGHT SITUATIONS YOU'LL MEET.
// Real on-the-ground money moments. Every URL verified.
const MA_SITUATIONS = [
  { ref: "MA-101", days: null, title: "Tipping,", em: "country by country.",
    author: "Iris", price: "Free reference",
    img: "https://images.unsplash.com/photo-1559339352-11d035aa65de?w=900&q=80",
    tags: ["Service", "Custom", "Cash"],
    desc: "Where 10% is generous, where it's offensive, where it's already in the bill, and where the rounding-up rule is the whole etiquette.",
    href: "/en/on-the-ground/culture/how-to-tip-in-different-countries" },

  { ref: "MA-088", days: null, title: "Haggling,", em: "in a Southeast Asian market.",
    author: "Marcus", price: "Skill",
    img: "https://images.unsplash.com/photo-1519606247872-0aa1f6b6f7da?w=900&q=80",
    tags: ["Markets", "Bargaining", "Honest"],
    desc: "Open at one-third, walk to one-half. The two phrases that work in any language. Why the cheapest seller is rarely the right one.",
    href: "/en/on-the-ground/local-life/southeast-asia/haggling-markets-southeast-asia" },

  { ref: "MA-112", days: null, title: "ATMs in Japan,", em: "as a foreigner.",
    author: "Marcus", price: "Reference",
    img: "https://images.unsplash.com/photo-1542051841857-5f90071e7989?w=900&q=80",
    tags: ["Japan", "7-Eleven", "Cash society"],
    desc: "Why your card works at 7-Eleven and dies at the bank next door. The ¥10,000 daily withdrawal habit that keeps a cash trip moving.",
    href: "/en/on-the-ground/local-life/japan/how-to-use-japanese-atms" },

  { ref: "MA-097", days: null, title: "Tourist scams,", em: "and how to read them.",
    author: "Nia", price: "Defense",
    img: "https://images.unsplash.com/photo-1543872084-c7bd3822856f?w=900&q=80",
    tags: ["Scams", "Cards", "Cash"],
    desc: "The friendship bracelet, the broken meter, the helpful local at the ATM. Six setups you'll see in any major city, and the line that ends each one.",
    href: "/en/on-the-ground/deal-with-scams-targeting-tourists" },

  { ref: "MA-104", days: null, title: "Airport food,", em: "without the markup.",
    author: "Juan", price: "Save $40/leg",
    img: "https://images.unsplash.com/photo-1551918120-9739cb430c6d?w=900&q=80",
    tags: ["Airports", "Markup", "Habit"],
    desc: "The empty water bottle, the lounge day pass, the convenience store one terminal over. Why $18 for a sandwich is a planning failure, not a price.",
    href: "/en/budget/save-money-on-airport-food-and-drinks" },

  { ref: "MA-119", days: null, title: "Tours & excursions,", em: "without the markup.",
    author: "Iris", price: "Save 20–40%",
    img: "https://images.unsplash.com/photo-1539635278303-d4002c07eae3?w=900&q=80",
    tags: ["Tours", "Booking", "Local"],
    desc: "The hotel concierge gets a kickback. The street vendor needs the sale today. The honest middle: book one tour for the day-one orientation, walk-up the rest.",
    href: "/en/budget/save-money-on-guided-tours-and-excursions" },

  { ref: "MA-091", days: null, title: "Card insurance,", em: "what your card already covers.",
    author: "Iris", price: "Free",
    img: "https://images.unsplash.com/photo-1559526324-4b87b5e36e44?w=900&q=80",
    tags: ["Insurance", "Cards", "Coverage"],
    desc: "Most premium cards include trip cancellation, lost luggage, primary CDW, and a doctor-on-call line. Read the benefits guide once before you fly. Most travelers buy insurance they already have.",
    href: "/en/book/insurance/trip-cancellation/credit-card-insurance" },

  { ref: "MA-105", days: null, title: "Hidden fees,", em: "when booking online.",
    author: "Nia", price: "Save 4–9%",
    img: "https://images.unsplash.com/photo-1556742044-3c52d6e88c62?w=900&q=80",
    tags: ["Fees", "Booking", "Receipts"],
    desc: "Resort fees, cleaning fees, service fees, dynamic-currency fees. The four lines to expand on every booking page before you click confirm.",
    href: "/en/budget/avoid-hidden-fees-when-booking-travel-online" },
];

// IV — BY SITUATION (matrix).
const MA_BY_SITUATION = [
  { len: "Pre-trip · card setup", days: "2–3 wks", count: 8, examples: "No-FTF cards · Bank partners · Chip+PIN", price: "from $0/yr" },
  { len: "On the ground · ATMs", days: "Daily", count: 6, examples: "Schwab · Fidelity · 7-Eleven Japan", price: "from $0/withdrawal" },
  { len: "On the ground · cards", days: "Daily", count: 9, examples: "Decline DCC · Chip+PIN · Tap defaults", price: "0–1% FX" },
  { len: "Cash · markets", days: "Weekly", count: 5, examples: "SE Asia · Morocco · Mexico mercados", price: "30–50% off list" },
  { len: "Long stay · local banking", days: "14+ days", count: 4, examples: "Wise · Revolut · Local debit", price: "Mid-market FX" },
  { len: "Defense · scams + losses", days: "Always", count: 6, examples: "Lost card · Skimmer · DCC · Touts", price: "Insurance + spare card" },
];

// V — EIGHT READS, BY DEPTH.
// Mix of seed + the four confirmed money articles + four adjacent finds.
const MA_READING = [
  { tag: "Primer",     duration: "11 min", title: "How to handle money abroad,", em: " without losing it to fees.", author: "Iris",
    href: "/en/experiences/money/how-to-handle-money-abroad" },
  { tag: "On the road", duration: "9 min",  title: "Manage money & avoid", em: " ATM fees abroad.", author: "Iris",
    href: "/en/on-the-ground/manage-money-and-avoid-atm-fees-abroad" },
  { tag: "ATMs",       duration: "8 min",  title: "Use ATMs abroad,", em: " without paying fees.", author: "Marcus",
    href: "/en/on-the-ground/money/how-to-use-atms-abroad" },
  { tag: "Exchange",   duration: "9 min",  title: "Exchange currency,", em: " without losing money.", author: "Nia",
    href: "/en/on-the-ground/money/how-to-exchange-currency" },
  { tag: "Insurance",  duration: "7 min",  title: "Save money on travel insurance,", em: " without losing the cover.", author: "Juan",
    href: "/en/budget/save-money-on-travel-insurance" },
  { tag: "Booking",    duration: "8 min",  title: "Book travel with flexible dates,", em: " to save money.", author: "Iris",
    href: "/en/book/book-travel-with-flexible-dates-to-save-money" },
  { tag: "Japan",      duration: "6 min",  title: "Use ATMs in Japan,", em: " as a foreigner.", author: "Marcus",
    href: "/en/on-the-ground/local-life/japan/how-to-use-japanese-atms" },
  { tag: "Souvenirs",  duration: "7 min",  title: "Save money on souvenirs,", em: " without buying junk.", author: "Nia",
    href: "/en/budget/save-money-on-souvenirs-without-buying-junk" },
];

// VI — FAQ. Six questions, drawn from the seed article and refined for first-trippers.
const MA_FAQS = [
  { q: "Should I order foreign currency from my home bank before I fly?",
    a: "Almost never. Home-bank currency orders include a 4–7% spread plus a delivery fee, and you'll be carrying cash through three airports before you need it. The honest move is $100–200 of USD in your wallet for the day-one taxi, then a bank ATM at the destination airport for the rest. The destination ATM beats your home bank by 5–10% every single time." },
  { q: "What's the single biggest money mistake on a first international trip?",
    a: "Saying yes when the card terminal asks if you'd like to be charged in your home currency. That screen — dynamic currency conversion — adds 3–7% to every transaction, paid to the merchant's terminal provider. Always pay in the local currency. Always. The exchange rate your card network uses is better than any storefront's, by an honest margin every time." },
  { q: "Do I really need two credit cards?",
    a: "Yes. One gets blocked, swallowed, demagnetized, or left at a restaurant once per long trip. Two cards from two different banks (one Visa, one Mastercard, ideally) covers you. Keep the second card in a different pocket from the first — the cliché works because it's true. A single-card trip is a planning bet that the card holds; usually it does, until it doesn't." },
  { q: "How much cash should I actually carry on me at any one time?",
    a: "Three to five days of cash needs in a country that runs on cards (Western Europe, Korea, most of North America); one to two days in a cash-heavy country (Japan, Germany still in places, parts of Latin America, most of Southeast Asia). Enough to be comfortable, not enough that losing the wallet is a trip-ender. Refill at the bank ATM every few days; don't hoard." },
  { q: "Are travel money cards (Wise, Revolut, Chase, etc.) actually worth it?",
    a: "Wise is worth it for almost any trip — the mid-market exchange rate plus a tiny conversion fee is the cleanest math you'll find, and the multi-currency balance is genuinely useful for refunds and group settlements. Revolut is a solid second if you also want a brokerage and a savings layer. The bank-branded travel cards (Chase, etc.) are mostly marketing dressed as a product — your existing no-FTF credit card already does the same job." },
  { q: "What do I do if my card gets blocked or swallowed at an ATM at 11 p.m.?",
    a: "First, don't panic — this is exactly why the second card lives in the second pocket. Use the second card for the night. In the morning: call your bank's international number (save it in your phone before the trip), request the lost-card replacement to your hotel address, and file an ATM-retention claim if a machine ate it. Most banks ship replacement cards internationally within 3–5 days. Travel insurance through your credit card often covers emergency cash advances if the wait is longer." },
];

// VII — THE BRIEF. Six tips, ordered by how much money each one actually saves.
const MA_PRACTICAL = [
  { k: "Setup tip", h: "Two cards from two banks, set up six weeks out.",
    b: "The single highest-leverage thing you can do is apply for a no-foreign-transaction-fee credit card and a Schwab or Fidelity debit card six weeks before the trip — long enough that both arrive, you've activated them, you've set the PIN, and you've used them once at home to confirm they work. The traveler who lands with one card has 70% of a money plan; the traveler who lands with two has 100%." },
  { k: "ATM tip", h: "Bank ATMs only. Never the standalone machines.",
    b: "Inside a bank branch — Santander, BNP, Mizuho, Bancomer, the local equivalent — you get the network's interchange rate plus, at most, a $3 fee that Schwab will refund. The standalone machines in tourist quarters (Euronet, Travelex, MoneyGram) charge a $5–8 fee plus a 7–13% conversion markup, every withdrawal. Walk an extra block. Always." },
  { k: "DCC tip", h: "Always pay in local currency at the terminal.",
    b: "When the card reader offers to charge you in dollars, euros, pounds, or your home currency — say no. Pay in the local currency. Every time. The home-currency option (dynamic currency conversion) adds 3–7%, no exceptions. This single habit is worth more across a two-week trip than any credit-card sign-up bonus you'll ever earn." },
  { k: "Cash tip", h: "Pull three to five days at a time, not more.",
    b: "Withdraw enough to last three to five days in a card-heavy country, one to two in a cash-heavy one. Less than that and you're paying ATM fees too often; more than that and the wallet becomes a target. Refill at a bank ATM every few days; the rhythm is the discipline." },
  { k: "Receipt tip", h: "Pay with cards for the audit trail.",
    b: "Cards leave receipts; cash doesn't. At the end of a long trip, you'll want to know what you actually spent — by category, by city, by week — and the bank statement is the only honest record. Use cash for markets, taxis, tips, and any place where the card surcharge exceeds 1.5%; use the card for everything else. The trail is worth the small fee." },
  { k: "Backup tip", h: "$200 in a different pocket, every day, no exceptions.",
    b: "A small stash of clean USD or EUR notes, in a different pocket from the wallet, is the cheapest insurance you can buy. Lost wallet, dead card, ATM that ate the card on a Sunday night — $200 covers a hotel night, dinner, and a cab to the embassy. You'll likely never use it. That's the point." },
];

// THE DESK — same four people as solo, reframed for money.
const MA_VOICES = [
  { name: "Iris Mendoza", role: "Senior Editor · Money & Numbers", trips: 64,
    line: "Money on a first trip is a system, not a mood. Set the system up at home, and the trip is just spending. Skip the system, and the trip is a slow leak.",
    av: "https://images.unsplash.com/photo-1494790108377-be9c29b29330?w=200&q=80" },
  { name: "Marcus Lin", role: "Field correspondent · Asia · Cash desk", trips: 48,
    line: "I lived a year in Tokyo on a Schwab card and a 7-Eleven receipt habit. Half the people I knew there were paying 8% to use a Travelex machine in the same neighborhood.",
    av: "https://images.unsplash.com/photo-1438761681033-6461ffad8d80?w=200&q=80" },
  { name: "Nia Adebayo", role: "Field correspondent · Africa & Europe · Cards desk", trips: 39,
    line: "The friend who lived abroad tells you the math. The friend who didn't tells you to bring traveler's cheques. One of those friends is helping you.",
    av: "https://images.unsplash.com/photo-1607746882042-944635dfe10e?w=200&q=80" },
];

Object.assign(window, { MA_META, MA_TOPICS, MA_SITUATIONS, MA_BY_SITUATION, MA_READING, MA_FAQS, MA_PRACTICAL, MA_VOICES });