Teach spillover in the chatbot and training page

- Chat: new canned answer covering spillover keywords (why "2 under me
  but 1/2 directs", pass-over eligibility) and the same facts added to
  the AI system prompt so both chat modes answer consistently.
- Training: "Understanding spillover" article after the videos — what it
  is, why it doesn't qualify you, why it still pays your position via
  matrix upgrade payments, and the qualified+leveled eligibility rule.

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

public/training.html

@@ -16,6 +16,11 @@
 
 <div class="video-card" style="max-width:880px;margin:0 auto 26px"><div style="padding:6px 6px 0"><div class="eyebrow">Video 4 · 5 min</div><h2 style="margin:6px 0 6px">Buying the Premium position</h2><p style="color:var(--muted);margin:0 0 12px">Connect to the RM Circle dApp with the current team sponsor and complete your Premium entry.</p></div><video class="video-frame" style="display:block;width:100%;height:auto;aspect-ratio:16/9" controls preload="metadata" poster="/training/buying_the_premium_position_poster.jpg" src="/training/buying_the_premium_position.mp4"></video></div>
 
+<div class="card" style="max-width:880px;margin:0 auto 26px"><div class="eyebrow">Must-know · 3 min read</div><h2 style="margin:8px 0 10px">Understanding spillover — and getting paid instead of passed</h2>
+<p style="color:var(--muted);line-height:1.65;margin:0 0 12px"><strong style="color:var(--text)">What spillover is.</strong> When a sponsor already has both matrix slots filled, the smart contract places the next new member in the first open slot further down the team — left to right, generation by generation. That member "spills over" into someone else's matrix. If your upline is recruiting, people can land under you that you never spoke to.</p>
+<p style="color:var(--muted);line-height:1.65;margin:0 0 12px"><strong style="color:var(--text)">Why you can have people under you and still not be qualified.</strong> Qualification counts your <em>directs</em> — people who joined using <em>your</em> ID — not who sits in your matrix. Spillover fills your structure, but only your own two recruits qualify your position and retire your link. Your <a href="/my" style="color:var(--teal)">Member Dashboard</a> tags every spillover placement so you can see the difference at a glance.</p>
+<p style="color:var(--muted);line-height:1.65;margin:0 0 12px"><strong style="color:var(--text)">Why spillover is still money in your future.</strong> Upgrade payments travel up the <em>matrix</em>, not the referral chain. When a member below you — spillover or not — buys a level, that payment stops at the first upline position that is <strong>qualified (2 directs)</strong> and <strong>already at that level</strong>. If that's you, you get paid by someone you never recruited. If you're missing a direct or a level, the payment passes you by and lands with the next eligible person above you — and you can watch that happen, on the blockchain, in real time.</p>
+<p style="color:var(--muted);line-height:1.65;margin:0"><strong style="color:var(--text)">The takeaway:</strong> spillover is free potential income sitting under you — and qualification plus staying upgraded is how you claim it. Get your 2, keep your level ahead of your team's wave, and the matrix pays your position as it grows.</p></div>
 <div class="callout" style="max-width:880px;margin:0 auto"><strong>Ready?</strong> Head to the <a href="/start" style="color:var(--teal)">Getting Started page</a> to see the current team sponsor before you buy — placements rotate as positions qualify.</div>
 <div class="callout warning" style="max-width:880px;margin:14px auto 0"><strong>Risk reminder:</strong> participation involves cryptocurrency and smart-contract risk. No income is guaranteed. Use only funds you can afford to lose.</div>
 </div></section>