Teach the chatbot everything we added (canned + AI prompt)

chat.js: new canned answers for how-you-get-paid (two streams + depth-
matched levels), Premium vs Standard tier, and the member dashboard/
alerts. server.js AI system prompt: added PAY FLOW, TIERS, and MEMBER
DASHBOARD facts, and refreshed the site-pages list (/how-pay-works,
/my, /disclaimer, spillover article). Both chat modes now answer the
questions this session surfaced (skips, standard tier, dashboards).

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

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'],