diff --git a/public/chat.js b/public/chat.js
index 00a2d56..c7b5044 100644
--- a/public/chat.js
+++ b/public/chat.js
@@ -34,6 +34,8 @@
      a:()=>`Great question — and we checked it on-chain, not just in theory. The contract needs <strong>no one</strong> to keep it running: joins, upgrades, placement and every payout are fully automatic — no button anyone has to press, no expiry. If the creators walked away, lost their keys, or vanished, member payments keep flowing exactly as coded. We also verified that the founder, development and fee wallets are <strong>ordinary wallets, not programs</strong> — an ordinary wallet always accepts an incoming payment even if its key is lost forever, so a dead admin wallet can't jam a single member payment (at worst the project's <em>own</em> fee sits there uncollected). And the contract holds no stored balance — every payment is delivered in the same transaction. Full write-up in section 6 of <a href="/contract">rmcircle.team/contract</a>.`},
     {k:['pyramid','ponzi','pyramid scheme','ponzi scheme','mlm','recruiting scheme','is this a scheme'],
      a:()=>`A pyramid or Ponzi scheme funnels everyone's money to a central company and pays earlier joiners out of later joiners' deposits — and you can't verify any of it. This is the opposite: <strong>no company holds the money</strong>. A public smart contract on Polygon sends each payment person-to-person in the same transaction it arrives, and you can read the code and every payout yourself on-chain — nothing pooled, nothing hidden, rules that can't be changed. It <em>is</em> a team build, so it takes real effort and carries real crypto risk — not a passive investment. But you don't have to trust anyone; verify it at <a href="/contract">rmcircle.team/contract</a>. No income is guaranteed.`},
+    {k:['no money','cant afford','can not afford',"can't afford",'broke','they dont have','waiting on payday','no funds to join'],
+     a:()=>`"No money" is usually one of three things — sort it first. (1) Most often it means "this sounds expensive/complicated": entry is about $27 in POL — call it ~$35 all-in — payable with a regular debit card right on the <a href="/join-now">join page</a>. (2) Sometimes it's a priority thing: send the "$27" video from <a href="/tools">Promo Tools</a> and let it do the talking. (3) If they're genuinely broke: tell them honestly "don't join yet" — never rent money, never money they can't afford to lose. Ask "when's payday?" and follow up then — their invite link doesn't expire and the team keeps building publicly while they wait. One hard rule: never pay someone's entry for them.`},
     {k:['fast start','checklist','printable','print','48 hour','48-hour','getting started sheet'],
      a:()=>`Grab the <a href="/fast-start">48-Hour Fast Start sheet</a> — a printable one-page checklist for your first two days. Open it from YOUR dashboard and it comes pre-filled with your invite link and a scannable QR code, then hit the print button (it prints clean black-on-white, in whatever language you've picked with the 🌐 button).`},
     {k:['translate','translation','language','español','espanol','spanish','french','portuguese','not in english','other language'],
diff --git a/server.js b/server.js
index 812da56..d2bad5d 100644
--- a/server.js
+++ b/server.js
@@ -57,6 +57,7 @@ FACTS:
   - "Is this a pyramid/Ponzi/scam?": a pyramid or Ponzi routes everyone's money to a central company that pays earlier joiners out of later joiners' deposits, with nothing verifiable. Here NO company holds funds — the smart contract pays person-to-person in the same transaction and the code plus every payout are public on-chain (verify at https://rmcircle.team/contract). Be plain that it is a team build with real effort and real crypto risk, not a passive investment.
   - "If my two can't get their two, doesn't it stop there?": everyone needs their OWN 2 to qualify (spillover never qualifies for them), but a leg does not dead-end — it is a team: you help your 2 get theirs, uplines earn as the team grows so helping you is in their interest, and spillover adds depth when personal recruiting is slow. It only truly stalls if everyone stops helping.
   - "What if I can't afford the upgrades?": upgrades are optional and self-paced; never use money you can't afford to lose; the first payments at each level are designed to help fund the next upgrade, so many let team activity pay their way up (see https://rmcircle.team/how-pay-works).
+  - "My prospect wants to join but has no money": coach the member to sort which of three objections it really is. (1) Most common — "sounds expensive/complicated": entry is ~$27 in POL (~$35 all-in with card fee + gas) payable with a regular debit card via the join page; many prospects imagine far more. (2) Priority dressed as money: send the "$27" video from /tools and go silent — never argue it. (3) Genuinely broke: the honest answer is "don't join yet" — never rent money, never desperation recruiting; ask "when's payday?" and follow up then. Waiting costs the prospect nothing: invite links don't expire and the team's growth is publicly visible on-chain while they wait. HARD RULE: nobody ever fronts or loans someone's entry — not the sponsor, not the team; it kills commitment and creates one person controlling positions registered to others' wallets. Teach-forward: have the member log how each conversation goes, because their people will hit the same objection.
   - "Someone below me won't upgrade / is stalled": a paused member NEVER blocks money. Each person below you pays you separately, once, at one level — nothing waits on pairs or chains of upgrades. Payments a paused member can't catch pass straight UP through them to the next ready position (often the asker's), and everyone below the paused member keeps flowing normally; the only thing on hold is the single payment that person would send at the asker's matching level. Never pressure anyone — paused members keep collecting entry rewards from new team growth and often return once the upgrade funds itself. Point the asker at the pipeline panel on their dashboard to see who IS moving, and (teach-forward) have them show their two the same panel.
   - "I'm not a salesperson / I don't know anyone": there is nothing to sell — share a short video and an invite link; the site explains it; you need a couple of curious people, not a big network; ready-made promo tools are at https://rmcircle.team/tools.
   - "What if people quit?": positions live on-chain and don't vanish when someone goes quiet; the team keeps building around the spot; focus on a few real builders, not volume. No income is guaranteed.