diff --git a/configs/bank-landing/index.html b/configs/bank-landing/index.html
index 4d31411..44ccf50 100644
--- a/configs/bank-landing/index.html
+++ b/configs/bank-landing/index.html
@@ -82,14 +82,6 @@
       border: 1px solid rgba(232, 168, 56, 0.4);
       letter-spacing: 0.04em;
     }
-    .how-note {
-      margin: 0 0 1.15rem;
-      padding: 0.8rem 0.95rem;
-      border-radius: 12px;
-      font-size: 0.88rem;
-      line-height: 1.45;
-      text-align: left;
-    }
     .balance-note {
       margin: 0.75rem 0 0;
       padding: 0.55rem 0.7rem;
@@ -102,17 +94,60 @@
       text-align: left;
     }
     .balance-note strong { color: #f0c86a; font-weight: 750; }
-    .how-note {
+
+    /* How shared account works: collapsed until click */
+    .how-fold {
+      margin: 0 0 1.15rem;
+      border: 1px solid rgba(232, 168, 56, 0.4);
+      border-radius: 14px;
+      overflow: hidden;
       background: rgba(232, 168, 56, 0.08);
-      border: 1px solid rgba(232, 168, 56, 0.35);
       color: #f5e6c8;
+      font-size: 0.88rem;
+      line-height: 1.45;
     }
-    .how-note strong { color: #f0c86a; font-weight: 750; }
-    .how-note ol {
-      margin: 0.4rem 0 0;
+    .how-fold-toggle {
+      display: flex;
+      align-items: center;
+      justify-content: space-between;
+      gap: 0.5rem;
+      width: 100%;
+      margin: 0;
+      padding: 0.75rem 0.9rem;
+      border: 0;
+      background: transparent;
+      color: #f0c86a;
+      font: inherit;
+      font-size: 0.9rem;
+      font-weight: 750;
+      text-align: left;
+      cursor: pointer;
+      line-height: 1.3;
+    }
+    .how-fold-toggle:hover {
+      background: rgba(232, 168, 56, 0.12);
+      color: #f5d78a;
+    }
+    .how-fold-toggle-text { flex: 1; }
+    .how-fold-chevron {
+      flex-shrink: 0;
+      transition: transform 0.15s ease;
+      color: #e8a838;
+      font-size: 0.95rem;
+    }
+    .how-fold.open .how-fold-chevron { transform: rotate(90deg); }
+    .how-fold-body {
+      display: none;
+      padding: 0 0.95rem 0.9rem;
+      border-top: 1px solid rgba(232, 168, 56, 0.28);
+    }
+    .how-fold.open .how-fold-body { display: block; }
+    .how-fold-body ol {
+      margin: 0.55rem 0 0;
       padding-left: 1.2rem;
     }
-    .how-note li { margin: 0.25rem 0; }
+    .how-fold-body li { margin: 0.3rem 0; }
+    .how-fold-body strong { color: #f0c86a; font-weight: 750; }
 
     .step-card {
       background: var(--card);
@@ -706,15 +741,21 @@
       </div>
     </section>
 
-    <aside class="how-note" aria-labelledby="how-title">
-      <strong id="how-title">How the shared account works</strong>
-      <ol>
-        <li><strong>Now live:</strong> one <strong>shared bank account</strong> (community pool) already holds GOA for everyone.</li>
-        <li>Each “Open shared withdraw” / QR is a <strong>one-shot withdraw from that shared account</strong> — you do <em>not</em> log into the bank for this step.</li>
-        <li>Your GNU Taler app receives coins after the bank confirms (automatic on this demo).</li>
-        <li>Optional below: register your <em>own</em> bank UI account only if you want a private balance separate from the pool.</li>
-      </ol>
-    </aside>
+    <div class="how-fold" id="how-fold">
+      <button type="button" class="how-fold-toggle" id="how-fold-toggle"
+              aria-expanded="false" aria-controls="how-fold-body">
+        <span class="how-fold-toggle-text" id="how-title">How the shared account works</span>
+        <span class="how-fold-chevron" aria-hidden="true">›</span>
+      </button>
+      <div class="how-fold-body" id="how-fold-body" hidden>
+        <ol>
+          <li><strong>Now live:</strong> one <strong>shared bank account</strong> (community pool) already holds GOA for everyone.</li>
+          <li>Each “Open shared withdraw” / QR is a <strong>one-shot withdraw from that shared account</strong> — you do <em>not</em> log into the bank for this step.</li>
+          <li>Your GNU Taler app receives coins after the bank confirms (automatic on this demo).</li>
+          <li>Optional below: register your <em>own</em> bank UI account only if you want a private balance separate from the pool.</li>
+        </ol>
+      </div>
+    </div>
 
     <!-- ========== Optional bank UI + mini GOA shop (collapsed) ========== -->
     <div class="more-section" id="more-fold">
@@ -983,29 +1024,32 @@
     var refreshBtn = document.getElementById("withdraw-demo-refresh");
     if (refreshBtn) refreshBtn.onclick = function () { loadDemoWithdraw(); };
 
-    /* Optional bank UI + shop: collapsed until click (like settlement QR fold) */
-    (function () {
-      var fold = document.getElementById("more-fold");
-      var btn = document.getElementById("more-fold-toggle");
-      var body = document.getElementById("more-fold-body");
+    /* Collapsible folds (like settlement QR fold) */
+    function wireFold(foldId, btnId, bodyId, onOpen) {
+      var fold = document.getElementById(foldId);
+      var btn = document.getElementById(btnId);
+      var body = document.getElementById(bodyId);
       if (!fold || !btn || !body) return;
-      var webuiPainted = false;
-      function paintWebuiQr() {
-        if (webuiPainted) return;
-        makeQr(document.getElementById("qr-webui"), WEBUI);
-        webuiPainted = true;
-      }
       btn.addEventListener("click", function () {
         var open = !fold.classList.contains("open");
         fold.classList.toggle("open", open);
         btn.setAttribute("aria-expanded", open ? "true" : "false");
         if (open) {
           body.removeAttribute("hidden");
-          paintWebuiQr();
+          if (onOpen) onOpen();
         } else {
           body.setAttribute("hidden", "");
         }
       });
+    }
+    wireFold("how-fold", "how-fold-toggle", "how-fold-body");
+    (function () {
+      var webuiPainted = false;
+      wireFold("more-fold", "more-fold-toggle", "more-fold-body", function () {
+        if (webuiPainted) return;
+        makeQr(document.getElementById("qr-webui"), WEBUI);
+        webuiPainted = true;
+      });
     })();
 
     function fmtCest(unix, fallback) {