diff --git a/public/chat.js b/public/chat.js
index a0f55e9..c1d0e6c 100644
--- a/public/chat.js
+++ b/public/chat.js
@@ -32,6 +32,12 @@
      a:()=>`Fair question — don't take anyone's word for it. We reviewed the complete verified source of the RM Circle smart contract and published a plain-language breakdown at <a href="/contract">rmcircle.saasy.top/contract</a>: the code can never change (no upgrade mechanism exists), member money never sits in the contract (every payment distributes in the same transaction), prices and payout rules are locked forever, and the operator's powers are limited to a short, honest list. Every claim links to the blockchain so you can verify it yourself. Code security isn't an income guarantee though — results depend on real participation, and POL's value moves.`},
     {k:['spillover','spill over','spill','under me but not qualified','people under me','not my direct','passed over','missed payment','skipped','why am i not qualified'],
      a:()=>`<strong>Spillover</strong> happens when someone's sponsor already has both matrix slots full — the smart contract then places the new member in the next open slot further down, which can be under YOU. Spillover fills your matrix and sets up future upgrade payments to your position, but it does <strong>not</strong> count toward your qualification: only people who join using <em>your</em> ID are your directs. That's why you can see 2 under you and still show 1/2. And important: upgrade payments only stop at positions that are qualified (2 directs) AND at the required level — otherwise the payment passes you by to the next eligible upline. Check your position on your <a href="/my">Member Dashboard</a> — spillover placements are tagged there.`},
+    {k:['how do i get paid','how do i earn','commission','commissions','how payments work','how does the money','payout','payouts','pay flow','when do i get paid','how do i make money','income','two ways','how you get paid'],
+     a:()=>`Two ways money reaches your position — the full diagram is at <a href="/how-pay-works">rmcircle.saasy.top/how-pay-works</a>. <strong>(1) Entry rewards:</strong> when a direct joins under your link you get their entry reward (about 326 POL at Premium) and you keep it — on every direct you bring. <strong>(2) Upgrade payments:</strong> each person below you pays you once, at the ONE level that matches how far below you they sit — someone 1 layer below pays you when they hit Ascensus, 2 layers below pays you at Fabrica, 3 at Culmen, and so on. To catch each, you must be at that level yourself and qualified, so stay one level ahead of your team. No income is guaranteed.`},
+    {k:['tier','standard','premium tier','standard tier','premium vs standard','which tier','half','smaller payment','less than expected','why is my payment'],
+     a:()=>`There are two tiers. <strong>Premium</strong> is what our whole team builds at (${pol()} POL entry) — full payments. <strong>Standard</strong> costs about half and pays/earns half at every level. So if a payment ever comes in smaller than expected, it usually came from a Standard-tier position below you. Your tier is <strong>set when you join and can't be changed later</strong> (upgrading advances your level, not your tier), so always join <strong>Premium</strong> and make sure the people you bring on do too. Full breakdown: <a href="/how-pay-works">how-pay-works</a>.`},
+    {k:['dashboard','my dashboard','my page','my position','my team','check my','see my','pipeline','my stats','alerts','notify me','email me','get notified'],
+     a:()=>`Your <strong>Member Dashboard</strong> is at <a href="/my">rmcircle.saasy.top/my</a> — enter your ID to see your position, your team, your payments, your pipeline (money forming below you), and any spillover under you. You can also turn on <strong>email alerts</strong> there to be notified the moment you're paid or need to upgrade. To share, use your personal invite page: <strong>rmcircle.saasy.top/join/&lt;your ID&gt;</strong>.`},
     {k:['level','levels','upgrade','scintilla','ascensus','fabrica','culmen','apex','fastigium','vertex','corona','8 levels'],
      a:()=>`There are 8 Premium levels: <strong>Scintilla, Ascensus, Fabrica, Culmen, Apex, Fastigium, Vertex, Corona</strong>. Everyone starts at Scintilla. Upgrade as quickly as practical — ideally using earned POL — because the first two payments at each level are designed to help fund your next upgrade. Stay aware of your active downline's levels so you don't fall behind.`},
     {k:['30 positions','goal','milestone','matrix','how many people','team size'],
diff --git a/server.js b/server.js
index 3b9c954..efea124 100644
--- a/server.js
+++ b/server.js
@@ -38,8 +38,11 @@ FACTS:
 - First team goal: 30 properly placed positions (2+4+8+16), then 32, 64, 128 and beyond.
 - 8 Premium levels in order: Scintilla, Ascensus, Fabrica, Culmen, Apex, Fastigium, Vertex, Corona. Everyone starts at Scintilla. Upgrade as quickly as practical, ideally with earned POL; the first two payments at each level help fund the next upgrade. Stay aware of your active downline's levels so you don't fall behind and miss payments.
 - SPILLOVER: when a sponsor's two matrix slots are full, the contract places new members in the next open slot further down (left to right) — possibly under someone else. Spillover fills that member's matrix and sets up future upgrade income to their position, but does NOT count toward qualification: only people who join using a member's own ID are their directs. Upgrade payments travel up the MATRIX (not who-referred-whom) and only stop at positions that are qualified (2 directs) AND already at the level being bought — otherwise the payment passes them by to the next eligible upline. Members can see their own matrix, spillover tags, and payments at https://rmcircle.saasy.top/my
+- PAY FLOW (full diagram at https://rmcircle.saasy.top/how-pay-works): TWO income streams. (1) Entry rewards — when a direct joins under a member's link, that member gets the entry reward (~326 POL at Premium) and keeps it, on EVERY direct (not just the first two). (2) Upgrade payments — each person below you pays you ONCE, at the single level matching how far below you they sit: someone 1 layer down pays you at their Ascensus upgrade, 2 layers down at Fabrica, 3 at Culmen, 4 at Apex, and so on. To catch each one you must be at that level yourself AND qualified — so stay one level ahead of your team's deepest active layer. This is why a member can be "skipped" on a payment: it was reserved for the position at the matching depth, or they weren't leveled up in time.
+- TIERS: Premium (the tier the whole team builds at, ${c.premiumEntryPol || 362} POL entry) pays and earns FULL amounts; Standard costs about half and pays/earns HALF at every level. A smaller-than-expected payment almost always came from a Standard-tier position below. Tier is fixed at registration and CANNOT be changed later (upgrading advances your LEVEL, not your tier). Always recommend joining Premium and having recruits do the same. Amount comparison at /how-pay-works.
+- MEMBER DASHBOARD & ALERTS: each member has a live dashboard at https://rmcircle.saasy.top/my (enter your ID) showing position, team, payments, pipeline (incoming money forming below), spillover tags, and qualification badges. Members can turn on opt-in EMAIL ALERTS there (notified when paid, and when they need to upgrade to catch incoming pay). A member's personal invite page to share is https://rmcircle.saasy.top/join/<their-id>.
 - Current team sponsor: ${a ? `ID ${a.id}${c.showSponsorName && a.name ? ` (${a.name})` : ''}, ${a.directs}/2 directs` : 'shown on the start page'}. ${waiting} placement(s) waiting. Placements rotate as positions qualify — always verify on https://rmcircle.saasy.top/start right before joining.
-- Site pages: https://rmcircle.saasy.top/ (strategy overview + roadmap), https://rmcircle.saasy.top/start (current sponsor + join steps), https://rmcircle.saasy.top/training (4 videos: 1. How the team build works, 2. Create your MetaMask wallet, 3. Funding your wallet, 4. Buying the Premium position), https://rmcircle.saasy.top/contract (plain-language security review of the verified smart contract — code can't change, no pooled funds, locked rules, honest list of operator powers).
+- Site pages: https://rmcircle.saasy.top/ (strategy overview + roadmap + live team stats), https://rmcircle.saasy.top/start (current sponsor + join steps), https://rmcircle.saasy.top/training (4 videos + spillover article), https://rmcircle.saasy.top/how-pay-works (the two income streams shown as a pay-flow diagram + Premium/Standard tier comparison), https://rmcircle.saasy.top/contract (plain-language security review of the verified smart contract — code can't change, no pooled funds, locked rules, honest list of operator powers), https://rmcircle.saasy.top/my (member dashboard), https://rmcircle.saasy.top/disclaimer (affiliate/earnings/risk disclosures).
 - Telegram group for live team help: ${c.telegramUrl || 'https://t.me/cryptoteambuild'}
 
 RULES: