Catch eligibility: catcher needs level >= the level the buyer is LEAVING, not the level being bought

Matches _payUpline (level > levelIndex, levelIndex = buyer.level-1). The old
depth+1 rule told #21 (Culmen) it could not catch #49's Apex buy; #21 is #49's
4th matrix upline and does catch it. Fixed in the owner alert, coaching scan,
dashboard pipeline, AI prompt, leader digest, chatbot and how-pay-works copy.

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

public/chat.js

@@ -76,7 +76,7 @@
     {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.team/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.`},
+     a:()=>`Two ways money reaches your position — the full diagram is at <a href="/how-pay-works">rmcircle.team/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 qualified and at or above the level that person is LEAVING — layer 1's Ascensus buy needs you at Scintilla (qualified), layer 3's Culmen buy needs you at Fabrica or higher — so keep your level at or above your team's deepest active layer. 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','message','messages','contact my sponsor','contact my upline','contact my downline','reach my team'],