// TruVis Landing — data
const JURISDICTIONS = [
  {
    id: 'adgm',
    num: '01',
    name: 'ADGM',
    full: 'Abu Dhabi Global Market',
    regulator: 'FSRA',
    tag: 'Sovereign · Fintech · Digital Assets',
    eyebrow: 'Abu Dhabi · UK Common Law',
    title: 'ADGM & the Financial Services Regulatory Authority',
    lede: 'Abu Dhabi’s international financial centre on Al Maryah and Al Reem islands. Pioneer of the MENA region’s first fintech RegLab, the first Virtual Assets framework, and the first Third Party Provider regime for Open Finance.',
    stats: [
      { num: '2018', lbl: 'First MENA virtual assets framework', em: false },
      { num: '20+', lbl: 'Regulated VA / FRT firms', em: true },
      { num: 'RegLab', lbl: 'Sandbox to full licence pathway', em: false },
      { num: 'Hub71', lbl: 'Innovation ecosystem in ADGM', em: true }
    ],
    licenses: [
      { cat: 'Cat 1', name: 'Banking / Deposit-taking', cap: 'USD 10M+' },
      { cat: 'Cat 2', name: 'Dealing as Principal', cap: 'USD 2M+' },
      { cat: 'Cat 3A', name: 'Dealing (Agency / Matched)', cap: 'USD 500K' },
      { cat: 'Cat 3B', name: 'Managing Assets', cap: 'USD 250K' },
      { cat: 'Cat 3C', name: 'Managing CIF / Funds', cap: 'USD 250K' },
      { cat: 'Cat 4', name: 'Advisory, Arranging, TPP', cap: 'USD 10K+' }
    ]
  },
  {
    id: 'difc',
    num: '02',
    name: 'DIFC',
    full: 'Dubai International Financial Centre',
    regulator: 'DFSA',
    tag: 'Banking · Asset Mgmt · Capital Markets',
    eyebrow: 'Dubai · English Common Law',
    title: 'DIFC & the Dubai Financial Services Authority',
    lede: 'The UAE’s largest financial free zone — 7,700+ active companies and 980 entities regulated by the DFSA. Standards align closely with the UK FCA, providing globally familiar regulatory architecture for international institutions and fintech.',
    stats: [
      { num: '7,700+', lbl: 'Active companies in DIFC', em: false },
      { num: '980', lbl: 'DFSA-regulated entities', em: true },
      { num: '1,388', lbl: 'FinTech & Innovation firms', em: false },
      { num: 'Jan 2026', lbl: 'Updated Crypto Token framework live', em: true }
    ],
    licenses: [
      { cat: 'Cat 1', name: 'Banking / Deposit-taking', cap: 'USD 10M+' },
      { cat: 'Cat 2', name: 'Dealing in Investments', cap: 'USD 2M+' },
      { cat: 'Cat 3A', name: 'STP / Matched Principal', cap: 'USD 500K' },
      { cat: 'Cat 3C', name: 'Fund Management', cap: 'USD 140K+' },
      { cat: 'Cat 3D', name: 'Payment Services', cap: 'USD 500K+' },
      { cat: 'Cat 4', name: 'Advisory & Arranging', cap: 'USD 10K+' }
    ]
  },
  {
    id: 'cbuae',
    num: '03',
    name: 'CBUAE',
    full: 'Central Bank of the UAE',
    regulator: 'CBUAE',
    tag: 'Federal · Open Finance · PSP · SVF',
    eyebrow: 'Federal · UAE',
    title: 'Central Bank of the UAE — Federal Regulation',
    lede: 'The federal regulator for banking, payments, insurance and Open Finance across the UAE market. Federal Decree-Law No. 6 of 2025 — effective 16 September 2025 — consolidates the framework and captures Open Finance Services as a Licensed Financial Activity for the first time. Reconciliation deadline: 16 September 2026.',
    stats: [
      { num: '7', lbl: 'Emirates of federal market access', em: false },
      { num: 'Sep 2026', lbl: 'CB Law 6/2025 reconciliation deadline', em: true },
      { num: 'AED 1M', lbl: 'Min. capital — Open Finance Provider', em: false },
      { num: 'I–IV', lbl: 'Retail Payment Service categories', em: true }
    ],
    licenses: [
      { cat: 'Banking', name: 'Full commercial banking', cap: 'Basel III' },
      { cat: 'Finance Co.', name: 'Credit, BNPL, leasing', cap: 'Tiered' },
      { cat: 'RPSC I', name: 'Card scheme operations', cap: 'High' },
      { cat: 'RPSC IV', name: 'Payment initiation / AIS (TPP)', cap: 'AED 1M+' },
      { cat: 'SVF', name: 'Stored Value Facility', cap: 'Tiered' },
      { cat: 'OFP', name: 'Open Finance Provider', cap: 'AED 1M+' }
    ]
  }
];

const SERVICES = [
  {
    icon: 'shield',
    color: '',
    slug: 'svc-licensing',
    title: 'Regulatory Licensing',
    desc: 'CBUAE, ADGM FSRA and DFSA authorisation — from scoping the regulated activity to submitting an application a regulator wants to approve.',
    cta: 'Explore licensing'
  },
  {
    icon: 'sandbox',
    color: 'emerald',
    slug: 'svc-sandbox',
    title: 'Sandbox & RegLab Pathway',
    desc: 'ADGM RegLab and DFSA Innovation Testing Licence. We position fintech founders for the route from supervised testing to full Financial Services Permission.',
    cta: 'Sandbox strategy'
  },
  {
    icon: 'compass',
    color: 'teal',
    slug: 'svc-jurisdiction',
    title: 'Jurisdiction Selection',
    desc: 'A structured five-question framework that compares ADGM, DIFC and CBUAE against your business model, customers, capital and long-term strategy.',
    cta: 'Compare jurisdictions'
  },
  {
    icon: 'building',
    color: '',
    slug: 'svc-formation',
    title: 'Company Formation',
    desc: 'Free zone, mainland and 17+ international jurisdictions. Formation as the executable conclusion of an advisory conversation — not the start of one.',
    cta: 'Formation services'
  },
  {
    icon: 'graph',
    color: 'emerald',
    slug: 'svc-structuring',
    title: 'Corporate Structuring',
    desc: 'Holding structures, SPVs, group architecture and family office vehicles built to withstand regulatory scrutiny and serve long-term ownership objectives.',
    cta: 'Structuring advisory'
  },
  {
    icon: 'document',
    color: 'teal',
    slug: 'svc-compliance',
    title: 'Compliance & Maintenance',
    desc: 'Registered agent, AML / UBO, compliance calendars, renewals and amendment filings. The corporate good-standing operating layer of your regulated entity.',
    cta: 'Ongoing services'
  }
];

const STATS = [
  { num: '3', unit: '', lbl: 'Regulators', desc: 'CBUAE, ADGM FSRA and DFSA — the three frameworks every UAE financial firm must understand.' },
  { num: '17', unit: '+', lbl: 'Jurisdictions', desc: 'UAE free zones, mainland, and international structures handled directly by our team.' },
  { num: '7,700', unit: '+', lbl: 'DIFC active companies', desc: 'DIFC active registered companies in H1 2025 — the centre we navigate alongside ADGM and CBUAE every day.' },
  { num: '0', unit: '%', lbl: 'Tax on qualifying income', desc: 'Zero personal income tax across the UAE, plus 0% corporate tax on qualifying income for DIFC and ADGM entities.' }
];

const PROCESS = [
  { num: '01', h: 'Strategic scoping', p: 'Five-question jurisdiction framework. We map your activities, customers and capital before recommending a regulatory pathway.' },
  { num: '02', h: 'Regulatory positioning', p: 'Pre-application engagement with the FSRA Authorisation Team or DFSA. We treat this as relationship-building, not a procedural step.' },
  { num: '03', h: 'Application execution', p: 'Regulatory business plan, governance design, capital adequacy plan and full application documentation — prepared to the standard the regulator expects.' },
  { num: '04', h: 'Authorisation & operations', p: 'Conditions resolution, in-principle to full approval, and the corporate maintenance layer to keep your licence in good standing.' }
];

const INSIGHTS = [
  {
    tag: 'Regulatory Brief',
    h: 'DFSA Crypto Token framework — the 12 January 2026 shift',
    p: 'The DFSA’s updated Crypto Token rules took effect on 12 January 2026, moving the suitability burden onto firms. What the new positive and negative indicators mean — and what your token assessment process now needs to look like.',
    meta: '9 min read',
    date: 'Mar 2026',
    url: 'https://truvi.ae/insights/dfsa-crypto-token-framework-2026'
  },
  {
    tag: 'Jurisdiction Brief',
    h: 'CBUAE Open Finance: what Federal Decree-Law No. 6 of 2025 means',
    p: 'Effective 16 September 2025, the new law captures Open Finance Services as a Licensed Financial Activity for the first time. What this means for TPPs, account information services and firms now in scope under Article 62 — with a 16 September 2026 reconciliation deadline.',
    url: 'https://truvi.ae/insights/cbuae-open-finance-decree-law-6-2025',
    meta: '8 min read',
    date: 'Feb 2026'
  },
  {
    tag: 'Playbook',
    h: 'The five questions that decide your UAE jurisdiction',
    p: 'Customers, capital flows, business stage, capital resources, long-term strategy. Work through these in order and the right jurisdiction — ADGM, DIFC or CBUAE — should be clear.',
    meta: '15 min read',
    date: 'Jan 2026',
    url: 'https://truvi.ae/insights/five-questions-uae-jurisdiction'
  }
];

const FAQS = [
  {
    q: 'Can a single entity hold both an ADGM and a CBUAE licence?',
    a: 'Generally no. ADGM and CBUAE are independent jurisdictions with separate legal systems. A group structure can hold a regulated subsidiary in each — this is common for fintechs that need ADGM’s regulatory environment plus CBUAE for onshore market access. We design these structures regularly.'
  },
  {
    q: 'How long does a financial services licence take?',
    a: 'Typical end-to-end timelines run 6–12 months for a full licence application across ADGM FSRA, DFSA or CBUAE. Pre-application engagement, application quality, regulator workload and the complexity of your activity profile all influence this. RegLab or ITL routes can be faster but require their own preparation.'
  },
  {
    q: 'What is the minimum capital for a fintech licence in the UAE?',
    a: 'It depends on the regulated activity. ADGM Cat 4 advisory or arranging starts at USD 10K. ADGM Cat 3C fund management starts at USD 250K. CBUAE Open Finance Provider requires AED 1M minimum. Capital requirements are minimums, not targets — regulators assess adequacy against the risk profile of your business plan.'
  },
  {
    q: 'Should we use a sandbox first, or apply for a full licence?',
    a: 'If your product has not yet been validated with real customers, the ADGM RegLab or DFSA Innovation Testing Licence is usually the right first step. They allow live testing under regulatory supervision without the full compliance load. Established institutions with proven models typically go direct to a full licence application.'
  },
  {
    q: 'Are you a law firm?',
    a: 'No. TRUVIS International Services LLC is a corporate service provider, not a law firm. We work alongside legal counsel where regulatory or legal opinion is required. Our role is the structuring, application strategy and execution layer that sits between strategic advice and corporate operations.'
  }
];

const TICKER_ITEMS = [
  'CBUAE · ADGM FSRA · DFSA',
  'Open Finance Provider',
  'Third Party Provider (TPP)',
  'AED Stablecoin / SVF',
  'DFSA Crypto Token Framework — Jan 2026',
  'DFSA Innovation Testing Licence',
  'ADGM RegLab',
  'Cat 3C Fund Management',
  'Virtual Assets Framework',
  'Retail Payment Services I–IV',
  'Hub71 · FinTech Hive',
  'CB Law 6/2025 — Sep 2026 deadline'
];

window.TV_DATA = { JURISDICTIONS, SERVICES, STATS, PROCESS, INSIGHTS, FAQS, TICKER_ITEMS };