// FAQ, final CTA, footer.

const FAQ_DATA = [
  {
    q: 'Do I have to sell my stock?',
    a: 'No. That is the entire point. You draw cash against your vested equity and keep every share, and all the upside.',
  },
  {
    q: 'Is drawing on the line taxable?',
    a: 'No. Borrowing against your shares is not a sale, so a draw triggers no capital gains and no tax bill. You only owe tax if and when you actually sell.',
  },
  {
    q: 'Does my company have to participate?',
    a: 'Yes. Vested Equity is offered as an employer benefit, so your company enables the program. If yours isn’t enrolled yet, tell us anyway and we’ll work together with your company to bring the benefit on board.',
  },
  {
    q: 'Does my employer see what I use it for?',
    a: 'No. Your company enables the program as a benefit, but your draws and what you use them for stay between you and us.',
  },
  {
    q: 'What are the rates and terms?',
    a: 'It depends on your company and the size of the line, but expect an interest-only structure over a multi-year term. You only pay interest on what you actually draw, and you can repay anytime with no prepayment penalty. We’ll share exact rates and terms once your company is enabled.',
  },
  {
    q: 'How much can I borrow?',
    a: 'Up to about 40% of your vested equity, based on your most-recent 409A or tender price. You draw only what you need, and the rest of the line stays available for later.',
  },
  {
    q: 'Is this a margin loan that can get called?',
    a: 'No. It is a fixed two-year line structured through your employer, not a retail margin account. If your company’s 409A moves during the term, your line is not called and your rate does not change. A margin call is a price-driven event, and that cannot happen here. (Default is different; see below.)',
  },
  {
    q: 'What backs the line?',
    a: 'Your vested equity. It secures the line the way any asset-backed loan works, and you stay the owner of record. A drop in value never forces a sale; the only time we would look to the collateral is if a loan goes into default.',
  },
  {
    q: 'What happens if I can’t repay?',
    a: 'It is a secured loan, so the honest answer is the same as for any secured loan. If you default, we can apply your pledged vested equity toward the outstanding balance, up to and including those shares. What does not happen is a price-triggered sale: a move in your 409A never forces anything, and as long as you stay current, every share stays yours. If repaying ever gets hard, tell us early. We would much rather find a path with you than touch your equity.',
  },
  {
    q: 'What happens at the end of the two years?',
    a: 'You repay from cash, from a new draw, or from your liquidity event (tender, secondary, or IPO). Lines can be renewed subject to your equity at the time.',
  },
  {
    q: 'What happens if I leave the company?',
    a: 'The line stays active. It is secured by the shares you have already vested, and those stay yours when you leave, so changing jobs does not call the loan or change your terms. You keep drawing, repaying, and holding through to your liquidity event just as before.',
  },
  {
    q: 'My company is not on your list. Does that matter?',
    a: 'Tell us anyway. We work with most venture-backed late-stage companies and are adding employers continuously.',
  },
];

const FAQ = () => {
  const [open, setOpen] = useState(0);
  return (
    <section className="section" id="faq">
      <div className="container">
        <div className="section-head">
          <div className="eyebrow">06 / Questions</div>
          <h2 className="h2">The questions you are actually asking.</h2>
        </div>
        <div className="faq">
          {FAQ_DATA.map((item, i) => (
            <div key={i} className="faq-item" data-open={open === i}>
              <button className="faq-q" onClick={() => setOpen(open === i ? -1 : i)}>
                <span>{item.q}</span>
                <span className="glyph">+</span>
              </button>
              <div className="faq-a">{item.a}</div>
            </div>
          ))}
        </div>
      </div>
    </section>
  );
};

const FinalCTA = () => (
  <section className="section tight fog">
    <div className="container">
      <div className="final">
        <div className="eyebrow" style={{color:'rgba(255,255,255,0.7)'}}>Cohort 01 · Onboarding now</div>
        <h2 className="h2">Put your equity to work.</h2>
        <p>
          We&rsquo;re enabling a small group of companies and their employees
          first. If your equity is real and your bank account can&rsquo;t see
          it yet, get in line.
        </p>
        <a href="#elig" className="btn btn-dark btn-lg">
          Check your eligibility
          <Icon.Arrow size={16}/>
        </a>
      </div>
    </div>
  </section>
);

const Footer = () => (
  <footer className="footer">
    <div className="container">
      <hr className="footer-rule footer-rule-top" />
      <div className="footer-row">
        <div className="footer-l">
          <a className="brand" href="#">
            <img src="favicon.svg" className="brand-mark" alt="Vested Equity" />
            <span>Vested Equity</span>
          </a>
          <div className="footer-tag">A line of credit backed by your vested equity.</div>
        </div>
        <div className="footer-links">
          <a href="#how">How it works</a>
          <a href="#uses">What it&rsquo;s for</a>
          <a href="#elig">Check eligibility</a>
          <a href="#faq">FAQ</a>
          <a href="/privacy">Privacy</a>
          <a href="mailto:info@vestedequity.com">info@vestedequity.com</a>
        </div>
      </div>
      <hr className="footer-rule" />
      <div className="footer-disclaim">
        Vested Equity is not a commitment to lend. Credit lines are
        employer-sponsored and subject to your company&rsquo;s participation,
        verification of your vested equity, and applicable law. A line of
        credit secured by equity involves risk, including the risk of loss if
        the equity loses value. The line is secured by your pledged vested
        equity; while no price movement or margin call can trigger a sale, a
        default may result in the pledged equity being applied toward the
        outstanding balance, up to and including loss of those shares. Rates,
        advance rates, and figures shown are
        illustrative, are not a quote or an offer, and may vary. Vested Equity
        does not provide financial, tax, or legal advice. Company names and
        logos shown on this site are used for illustrative purposes only and
        do not imply endorsement, partnership, or affiliation.
        &copy; 2026 Vested Equity, Inc.
      </div>
    </div>
  </footer>
);

window.FAQ = FAQ;
window.FinalCTA = FinalCTA;
window.Footer = Footer;