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>

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: