Wallet guide + chatbot: Phantom ships with Polygon switched off (Settings > Active Networks)

Co-Authored-By: Claude Fable 5.1 <noreply@anthropic.com>

public/wallets.html

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       <h3>Phantom</h3>
-      <p>Clean phone and desktop apps, Polygon supported. No purchase-size block. Good choice if you are new and only ever plan to run one position.</p>
+      <p>Clean phone and desktop apps, no purchase-size block. Good choice if you are new and only ever plan to run one position. <b>One setup step:</b> Phantom ships with Polygon switched off. Open Settings, then Active Networks (Developer Settings on some versions), and turn Polygon on before you connect. Until it is on, the connect and buy buttons here will fail or show the wrong network.</p>
       <p class="wl-links"><a class="btn small sec" href="https://phantom.com/download" target="_blank" rel="noopener">Website</a> <a class="btn small sec" href="https://apps.apple.com/app/id1598432977" target="_blank" rel="noopener">App Store</a> <a class="btn small sec" href="https://play.google.com/store/apps/details?id=app.phantom" target="_blank" rel="noopener">Google Play</a> <a class="btn small sec" href="https://phantom.com/download" target="_blank" rel="noopener">Browser extension</a></p>
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     <li><b>Install it from the official source only.</b> MetaMask: metamask.io. Phantom: phantom.app. SafePal: safepal.io. Coinbase Wallet: wallet.coinbase.com. On a phone, use the app store listing those sites point to.</li>
     <li><b>Create a new wallet</b> and set a device password or PIN.</li>
     <li><b>Write down the recovery phrase</b> (12 or 24 words) on paper and keep it offline. Anyone who has those words has your money. Nobody from InstantAdPay will ever ask for them, and the site never sees them.</li>
-    <li><b>Make sure Polygon is available.</b> MetaMask asks to switch to Polygon the first time InstantAdPay needs it; approve that. Phantom, SafePal and Coinbase Wallet include Polygon already.</li>
+    <li><b>Make sure Polygon is available.</b> MetaMask asks to switch to Polygon the first time InstantAdPay needs it; approve that. SafePal and Coinbase Wallet include Polygon already. Phantom has Polygon built in but switched off by default: Settings, then Active Networks, turn on Polygon.</li>
     <li><b>Copy your address.</b> It starts with 0x and is the same on every EVM network. This is where your POL goes and where your payouts arrive.</li>
     <li><b>Link it in Members</b>: open the Wallet tab, tap Connect, and sign the free message. Then <b>Switch on payouts</b>, one small transaction that registers your address with the contract. Do both before your people start buying, so their first purchase pays you.</li>
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