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>

suite-leader.js

@@ -73,7 +73,7 @@ async function digest(memberId, opts) {
     'You are writing a short weekly coaching digest for a leader in the RM Circle team build, about their own organisation.\n\n' +
     'THE FACTS — these are read live from the smart contract. Use ONLY these. Never invent an id, a level, or a POL amount:\n' +
     lines.join('\n') + '\n\n' +
-    'HOW THE MONEY WORKS (so your advice is correct): a member catches an upgrade payment only if they are qualified (2 personal directs) AND already at or above the level being bought. Upgrade payments travel up to the first upline who meets both tests. Entry payments go to the sponsor.\n\n' +
+    'HOW THE MONEY WORKS (so your advice is correct): a member catches an upgrade payment only if they are qualified (2 personal directs) AND already at or above the level the buyer is LEAVING (a member 4 generations down pays on their Apex buy and needs the catcher at Culmen or higher; a qualified Scintilla catches the Ascensus buys of both matrix children). Upgrade payments travel up to the first upline who meets both tests. Entry payments go to the sponsor.\n\n' +
     'ABSOLUTE RULES:\n' +
     '- Never promise, guarantee or project income. Never quote dollars — POL quantities only.\n' +
     '- Never state a number that is not in the facts above.\n' +