diff --git a/chatbot.js b/chatbot.js
index 74c606a..022ff5e 100644
--- a/chatbot.js
+++ b/chatbot.js
@@ -85,6 +85,7 @@ FACTS:
 - PROMO TOOLKIT BY BADGE + AI COPY ENGINE (2026-09-14): Promo tools > AI Copy Engine shows the ladder: Free (links, posts, swipes, banners, wall, objections, shorts, badge pages), Spark (payouts on: one-tap campaign templates aimed at the member's link, printable handout with their QR at /handout/<username>), Surge (first qualifying buyer; the AI Copy Engine is live: posts, DMs, follow-ups, objection replies, emails, story posts, team broadcasts in the member's name with their link, honesty rules built in; 20 free generations a month), Circuit (60 free; Video Maker renders every promo video and short with the member's own end card and QR, hosted for download; split tester compares join angles by views, joins, buyers), Nexus (150 free; Leader Ops: three-level team triage with stalled flags and one-click nudges, AI-drafted team broadcasts, credit grants from the leader's earned pool to anyone in their line, co-branded join page showing the sponsor's bio, and the member's own partner code: welcome credits funded from the leader's pool at each redemption, plus a partner kit page /partners?ref=<username>&promo=CODE). After the free allowance each generation costs 10 ad credits from the earned pool. Credits are advertising, never money.
 - MEMBER UPDATE EMAILS (2026-09-14, admin only): Admin > Releases > Email an update to members: pick release notes, add an intro, choose an audience (newsletter opt-ins, opt-ins active in the last 30 days, or everyone including those who declined), preview, send a test to the admin, then send; plain text from no-reply@instantadpay.com with an opt-out link; the log shows sent/opted out/failed.
 - LINKED POSITIONS AND BADGES (2026-09-14): qualifying buyers on a member's linked positions count toward their achievement badges (Spark/Surge/Circuit/Nexus) and light their chip on their sponsor's line, and a badge once earned never regresses. The contract still pays levels 2 and 3 to each position based on that position's OWN qualifying buyers, so the Qualifying buyers tile shows the main position's count with the linked positions' count underneath.
+- MISSED-PAYOUT EMAIL (2026-09-15): when a level-2 or level-3 share passes a member by because that level is not open on their account, the member gets an email the same minute: who bought, the POL and dollar amount they missed, how many qualifying buyers they have versus the 2 or 5 needed, and the two ways to close the gap (bring buyers, or Qualified Start). Qualified members whose wallet rejected a transfer get a different email telling them to link a regular wallet.
 - LAUNCH WEEK SWIPES (2026-09-15): the founding-week checklist page (/launch) ends with four promoter emails members send to their OWN lists, one a day toward Monday's opening, with the member's invite link and the FOUNDER code (500 credits for anyone who joins before Mon 2026-09-21 9 AM Central) filled in, each with a Copy button. These are swipes for members, not emails the site sends.
 - LOGIN ADS CHARGE ONLY ON DAYS SHOWN (2026-09-15): the login ad daily fee (100 credits) is charged only for days the ad was actually shown at least once; with many login ads sharing the sign-ins, an ad that was not picked that day pays nothing. Featured links now count views (one per viewer per hour) as well as clicks.
 - SPONSOR HOLD (2026-09-14): if a member's account names a sponsor that cannot be paid right now (sponsor has not switched on payouts, or the chain lookup failed), the first purchase and the payouts activation are held with a message instead of silently crediting the company. Fix: the sponsor switches on payouts, or the member retries; the admin gets a Telegram alert.
diff --git a/server.js b/server.js
index a0e04c3..eb342eb 100644
--- a/server.js
+++ b/server.js
@@ -643,7 +643,29 @@ async function emailOnEvent(ev) {
     await notify(ev.skippedId, 'Your wallet rejected a payout on InstantAdPay', 'A level-' + ev.tier + ' payout tried to reach your linked wallet and the wallet refused the transfer, so it passed to the next qualified member. This happens with some smart-contract wallets. Link a regular wallet address (MetaMask, SafePal, Phantom) on the Wallet tab so the next payout lands.');
     if (ADMIN_EMAIL) mailer.send(ADMIN_EMAIL, 'InstantAdPay: payout send-failed for member #' + ev.skippedId, 'A level-' + ev.tier + ' payout to member #' + ev.skippedId + ' failed at the wallet (send-failed) and passed up. Tx: ' + ev.tx + '\n\nThe member has been emailed to link a regular wallet.').catch(() => {});
   }
-  else if (ev.type === 'PassedUp') await notify(ev.skippedId, 'A payout passed you by on InstantAdPay', 'A level-' + ev.tier + ' payout passed you by because you were not qualified yet. Get qualified so you catch the next one.');
+  else if (ev.type === 'PassedUp') {
+    // Marty (2026-09-15): a member who missed a payout because they were not qualified must be told
+    // exactly what they missed. The Purchase event of the same tx is already indexed (it precedes
+    // the PassedUp log), so the amount is that purchase's share for the tier: 50 / 20 / 10 percent.
+    const PCT = { 1: 50, 2: 20, 3: 10 }; const pct = PCT[ev.tier] || 0;
+    let pol = '', usd = '', buyer = 'a member on your level ' + ev.tier;
+    try {
+      const pur = chain.recentEvents(600).find(e => e.tx === ev.tx && e.type === 'Purchase');
+      if (pur) {
+        pol = weiToPol((BigInt(pur.paidWei) * BigInt(pct) / 100n).toString());
+        usd = ('$' + (pur.priceCents * pct / 10000).toFixed(2)).replace(/\.00$/, '');
+      }
+      buyer = await memberLabel(ev.buyerId);
+    } catch (e) {}
+    let bc = 0; try { bc = (await chain.member(ev.skippedId)).buyerCount || 0; } catch (e) {}
+    const need = ev.tier === 3 ? 5 : 2, short = Math.max(0, need - bc);
+    const what = pol ? pol + ' POL (about ' + usd + ')' : 'a level-' + ev.tier + ' payout';
+    await notify(ev.skippedId, 'You missed ' + (pol ? pol + ' POL' : 'a payout') + ' on InstantAdPay',
+      buyer + ' just bought an ad package on your level ' + ev.tier + '. Your share was ' + what + ', and it passed you by because level ' + ev.tier + ' is not open on your account yet. The contract paid it to the next qualified person above you.\n\n' +
+      'Level ' + ev.tier + ' opens at ' + need + ' qualifying buyers (people you referred who bought a $20 or larger package). You have ' + bc + (short ? ', so you are ' + short + ' buyer' + (short === 1 ? '' : 's') + ' away.' : '.') + '\n\n' +
+      'Two ways to close the gap: bring ' + (short || 1) + ' more buyer' + (short === 1 ? '' : 's') + ' from your My line page, or use Qualified Start under Buy packages to be your own buyer today. Every package on level ' + ev.tier + ' pays you ' + pct + ' percent once it is open, and the next one is coming whether you are ready or not.\n\n' +
+      'Your dashboard: https://instantadpay.com/my');
+  }
 }
 // payment-proof Telegram feed (same pattern as the RM Circle proof channel): one compact
 // line per event, admin-configured under Settings > Site (telegramBotToken, telegramChatId,