diff --git a/ads.js b/ads.js
index 8d14ecb..4653de4 100644
Binary files a/ads.js and b/ads.js differ
diff --git a/public/assets/my.js b/public/assets/my.js
index bd04164..dbd4c0c 100644
--- a/public/assets/my.js
+++ b/public/assets/my.js
@@ -201,7 +201,7 @@
         legend($('chDonutLegend'), [
           { color: CH.mint, label: 'Purchased', v: purchased.toLocaleString() },
           { color: CH.amber, label: 'Welcome', v: wc.toLocaleString() },
-          { color: CH.cyan, label: 'Earned by viewing', v: Math.max(0, earned - wc).toLocaleString() }]);
+          { color: CH.cyan, label: 'Earned and credited', v: Math.max(0, earned - wc).toLocaleString() }]);
         const done = Math.min(st.views || 0, st.target || 5), left = Math.max(0, (st.target || 5) - done);
         donut($('chRing'), [{ v: done, color: st.claimed ? CH.mint : CH.cyan }, { v: left, color: 'none' }],
           { big: done + '/' + (st.target || 5), small: st.claimed ? 'claimed' : 'ads viewed' });
@@ -686,7 +686,7 @@
   });
   const WHERE = { banner: 'Runs in the ad viewer, on the home page, the live ledger, every Overview, the sidebar tile, and out in the Network Ad Space rotation across the wider network.',
     text: 'Runs in the ad viewer, the live ledger text slot, and out in the Network Ad Space rotation.',
-    login: 'Full screen for every member who signs in, ten seconds, once a day per member. Opens in a fresh tab, so any working page qualifies.',
+    login: 'Full screen for every member who signs in, ten seconds, once a day per member. Opens in a fresh tab, so any working page qualifies. Login ads spend purchased credits only.',
     solo: 'Delivered into member inboxes under Earn credits. Each read is timed and rewarded, so it gets opened.',
     video: 'Plays in Watch videos and the Shorts feed under Earn credits. You pay only for completed watches.',
     featured: 'Your headline and link in the Featured strip on every member Overview for the days you book.',
diff --git a/public/my.html b/public/my.html
index c366277..1bad24d 100644
--- a/public/my.html
+++ b/public/my.html
@@ -876,7 +876,7 @@
 <script src="/assets/common.js?v=20260910c"></script>
 <script src="/assets/wallet.js?v=20260910a"></script>
 <script src="/assets/promo.js?v=20260909b"></script>
-<script src="/assets/my.js?v=20260910l"></script>
+<script src="/assets/my.js?v=20260910m"></script>
 <script src="/assets/chat.js?v=20260907l"></script>
 </body>
 </html>
diff --git a/server.js b/server.js
index 7f92729..faa5bde 100644
--- a/server.js
+++ b/server.js
@@ -804,7 +804,7 @@ const server = http.createServer(async (req, res) => {
         // line banner exists; members with no tour to walk get them instantly
         const welcomed = await ads.welcomeGranted(out.email);
         const tour = welcomed ? [] : (await uplineSlides(out.email)).filter(a => a.lineTargetUrl);
-        if (welcomed || !tour.length) out.welcomeCredits = await ads.grantWelcome(out.email);
+        if (welcomed || !tour.length) { await ads.grantWelcome(out.email); out.welcomeCredits = ads.rates().welcomeCredits || 0; } // the welcome amount itself; the rest of the earned pool is viewing rewards, milestones and credits we add
         else { out.welcomeCredits = 0; out.gauntletPending = true; }
       }
       if (out.email) out.inboxUnread = await ads.unreadCount(out.email); // delivers pending solos too