"use client" import { Shield, Lock, Globe, Users, Landmark, HandHeart, } from "lucide-react" import { Tabs, TabsContent, TabsList, TabsTrigger } from "@/components/ui/tabs" import { Card, CardContent, CardHeader, CardTitle, CardDescription, } from "@/components/ui/card" import { Badge } from "@/components/ui/badge" export function ModelsSection() { return (

{`We're exploring several paths.`}

All of them beat getting fleeced.

The Mutual Pool Flight Options The Bigger Picture {/* Tab 1: Mutual Pool */}
Low Risk
The Mutual Pool Classic mutual aid: everyone contributes, everyone is covered.
$20
/month base dues
Shared
risk pool
$100-300
/year expected savings
Members contribute monthly. When someone faces a last-minute price spike, the pool covers the difference.
Phase 1 starts with aggregated buying power: shared travel agent access, group airline passes, and price-lock tools.

Honest note: Pure insurance has challenges (adverse selection, moral hazard). {`That's`} why we pair the pool with the models below.

{/* Tab 2: Flight Options */}
Medium Risk
Flight Options Financial derivatives for regular people. Lock in today{`'`}s price, exercise later if you need to.
{[ { name: "Flex", price: "$15", options: "2 options/year", }, { name: "Standard", price: "$35", options: "4 options/year", }, { name: "Premium", price: "$65", options: "6 options/year", }, ].map((tier) => (
{tier.name}
{tier.price}
/month · {tier.options}
))}
{`You "lock in" the 21-day-out price for a route. If you need to fly last-minute, exercise your option and pay the locked price. The pool absorbs the difference.`}
Expected savings: $200-800/year depending on tier and usage. Break-even at just 1-2 last-minute flights per year.
{/* Tab 3: Bigger Picture */}
Exploratory
The Bigger Picture What happens when a community negotiates with airlines the way a corporation does?

Aggregated Buying Power

Travel agent credentials, consolidator fares, group airline passes. The deals that corporations and agencies get, but for regular people.

Credit Union Model

Closed-group social accountability. When everyone knows each other, gaming the system has social consequences. This is how mutual aid actually works.

Verified Emergency Coverage

The hardest version to game: coverage only for documented emergencies (medical, bereavement, jury duty, natural disasters). Low premiums, real protection.

Beyond flights...

The same ergodic principle applies to any domain where algorithms extract rents from individual volatility. Hotels. Concert tickets. Surge pricing. The pattern is the same. The solution scales.

) }