Add /how-pay-works pay-flow diagram page

Visual explainer of the two income streams: entry rewards you keep, and
the depth-matched upgrade ladder (each layer pays you once, at the one
level matching its depth) as an SVG flow diagram. Route + CSS added;
linked from training body and all footers. Educational, on-chain-factual
framing with disclaimer link.

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

public/index.html

@@ -18,5 +18,5 @@
 <section class="section"><div class="wrap"><div class="section-head"><div class="eyebrow">Depth over width</div><h2>2 → 4 → 8 → 16 → 32 → 64 → 128 → 256</h2><p>Each generation doubles. A full eight-generation team is <strong>510 positions</strong> (2+4+8+16+32+64+128+256) — but the first milestone that matters is the <strong>30 positions</strong> in your first four generations: 2 + 4 + 8 + 16.</p></div><div class="matrix" aria-label="Matrix growth illustration — eight generations, each double the last"><div class="matrix-group"><div class="people" data-n="2"></div><b>2</b></div><div class="matrix-group"><div class="people" data-n="4"></div><b>4</b></div><div class="matrix-group"><div class="people" data-n="8"></div><b>8</b></div><div class="matrix-group"><div class="people" data-n="16"></div><b>16</b></div><div class="matrix-group"><div class="people" data-n="32"></div><b>32</b></div><div class="matrix-group"><div class="people" data-n="64"></div><b>64</b></div><div class="matrix-group"><div class="people" data-n="128"></div><b>128</b></div><div class="matrix-group"><div class="people" data-n="256"></div><b>256</b></div></div><div class="notice"><strong>Team principle:</strong> once your two are in place, retire your link and shift to helping them get <em>their</em> two — their own directs are the only thing that qualifies their positions to catch payments. And if an extra signup comes through your link anyway, it's a bonus, not a problem: it still pays your position the entry reward and spills downward to fill an open slot in your leg. Spillover never qualifies the people below, though — so the team effort always moves down.</div></div></section>
 <section class="section" id="proof"><div class="wrap"><div class="section-head"><div class="eyebrow">Live payment proof</div><h2>Real payouts, straight from the blockchain.</h2><p>Every payment in this program happens on a public smart contract on Polygon — nobody can fake, hide, or edit it. Below are the latest member payouts, read live from the contract. Tap any row to verify the transaction yourself on Polygonscan.</p></div><div id="payoutTotals" class="pp-totals"></div><div id="payoutFeed" class="pp-feed"><div class="empty">Reading the blockchain…</div></div><div class="pp-note">Data is read directly from the RM Circle smart contract (<a href="https://polygonscan.com/address/0x33BdAEEfd6d17D80aE53816c916dFb26c4fB2DAF" target="_blank" rel="noopener noreferrer" style="color:var(--teal)">0x33Bd…2DAF</a>) on Polygon Mainnet. Member numbers are on-chain IDs, not names. Past payouts are not a promise of future results. <a href="/contract" style="color:var(--gold)">How the contract works — and why the rules can't change →</a></div></div></section>
 <section class="section"><div class="wrap"><div class="card" style="text-align:center;padding:34px"><div class="eyebrow">Ready to start?</div><h2 style="font-size:38px;margin:10px 0">See the current team placement.</h2><p style="max-width:680px;margin:0 auto 20px;color:var(--muted)">The onboarding page automatically shows the sponsor position the team is currently helping. Always use the sponsor shown there instead of an old screenshot or saved link.</p><a class="btn btn-primary" href="/start">Open Getting Started Instructions →</a></div></div></section>
-</main><footer class="wrap disclaimer">This independent team page is educational and is not an earnings guarantee or investment advice. Cryptocurrency and smart-contract participation involve risk, including possible loss of funds. Never use funds you cannot afford to lose. Results depend on actual participation, qualification, upgrades, smart-contract behavior, and the market value of POL.<div class="footer-links"><a href="/training">Training</a><a href="/start">Getting Started</a><a href="/my">Member Dashboard</a><a href="/contract">Contract Security</a><a href="/admin">Team Admin</a><a href="/disclaimer">Disclaimers</a></div></footer>
+</main><footer class="wrap disclaimer">This independent team page is educational and is not an earnings guarantee or investment advice. Cryptocurrency and smart-contract participation involve risk, including possible loss of funds. Never use funds you cannot afford to lose. Results depend on actual participation, qualification, upgrades, smart-contract behavior, and the market value of POL.<div class="footer-links"><a href="/training">Training</a><a href="/start">Getting Started</a><a href="/my">Member Dashboard</a><a href="/contract">Contract Security</a><a href="/admin">Team Admin</a><a href="/disclaimer">Disclaimers</a><a href="/how-pay-works">How You Get Paid</a></div></footer>
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