Welcome credits (spec 8b earned pool v1) + official rehearsal rate card

Every account gets welcomeCredits (25, rate-card configurable) via an
idempotent lazy grant on dashboard load, so existing members receive theirs
retroactively. earned_credits table with JSON fallback; Overview stat shows
the purchased/welcome split. Chatbot facts and canned answers synced;
homepage free-membership list mentions the welcome batch. Rate card
promoted from placeholder to decided and persisted in the volume.
Spending integration for the earned pool is the next engine build.
Assets v=20260905b.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

chatbot.js

@@ -34,7 +34,7 @@ const CANNED = [
   { re: /(referral link|invite link|share link|refer)/i,
     a: 'You get your share link the moment you sign in, free members included. One tip: switch on payouts (one free wallet step in Members) before your people start buying, because the contract locks each buyer to their sponsor at their first purchase.' },
   { re: /(credit|impression|cpm|what do i get|what am i buying)/i,
-    a: 'Packages mint ad credits on-chain. One credit is one cent of ad delivery: banners, text ads, and login ads across the network, managed from the campaign manager in Members. Only your campaigns can spend your credits.' },
+    a: 'Packages mint ad credits on-chain, and every new member also gets a small batch of welcome credits just for joining. One credit is one cent of ad delivery: banners, text ads, and login ads across the network, managed from the campaign manager in Members. Only your campaigns can spend your credits.' },
   { re: /(price|cost|package|how much is)/i,
     a: 'Packages run 5 to 250 dollars, priced in dollars and settled in POL at the live rate when you buy. The full ladder with live pricing is on the home page. Packages of $20 or more count toward qualification.' },
   { re: /(safe|trust|rug|run away|company disappear)/i,
@@ -46,7 +46,7 @@ function systemPrompt() {
   return `You are the assistant on InstantAdPay (https://instantadpay.com), a membership advertising platform.
 
 FACTS:
-- Free to join with email only (6-digit code sign-in, no passwords). Wallet appears only at purchase or payout activation.
+- Free to join with email only (6-digit code sign-in, no passwords). Wallet appears only at purchase or payout activation. Every new member gets a small welcome batch of ad credits at signup (engine-side bonus credits, separate from on-chain purchased credits).
 - Ad packages: Micro $5/500 credits, Activation $20/2,000, Builder $50/5,500, Growth $100/12,000, Leader $250/32,500. Dollar-priced, settled in POL (Polygon) at the live Chainlink rate. 1 credit = 1 cent of ad delivery.
 - Live formats: display banners (per impression), text ads (per impression), login ads (per day). Coming: inbox ads, featured rotation with disclosed rotation size, verified-visit packs.
 - Every purchase is split by an immutable smart contract in the same transaction: 50% direct sponsor, 20% level 2, 10% level 3, 20% platform. No withdrawals exist; money lands in members' own wallets instantly.