Add the spending/off-ramp guide (gift cards via CWallet/eGifter, exchange cash-out, keep-it-working) to training + chatbot + AI

public/chat.js

@@ -35,6 +35,8 @@
      a:()=>`Great question — and we checked it on-chain, not just in theory. The contract needs <strong>no one</strong> to keep it running: joins, upgrades, placement and every payout are fully automatic — no button anyone has to press, no expiry. If the creators walked away, lost their keys, or vanished, member payments keep flowing exactly as coded. We also verified that the founder, development and fee wallets are <strong>ordinary wallets, not programs</strong> — an ordinary wallet always accepts an incoming payment even if its key is lost forever, so a dead admin wallet can't jam a single member payment (at worst the project's <em>own</em> fee sits there uncollected). And the contract holds no stored balance — every payment is delivered in the same transaction. Full write-up in section 6 of <a href="/contract">rmcircle.team/contract</a>.`},
     {k:['pyramid','ponzi','pyramid scheme','ponzi scheme','mlm','recruiting scheme','is this a scheme'],
      a:()=>`A pyramid or Ponzi scheme funnels everyone's money to a central company and pays earlier joiners out of later joiners' deposits — and you can't verify any of it. This is the opposite: <strong>no company holds the money</strong>. A public smart contract on Polygon sends each payment person-to-person in the same transaction it arrives, and you can read the code and every payout yourself on-chain — nothing pooled, nothing hidden, rules that can't be changed. It <em>is</em> a team build, so it takes real effort and carries real crypto risk — not a passive investment. But you don't have to trust anyone; verify it at <a href="/contract">rmcircle.team/contract</a>. No income is guaranteed.`},
+    {k:['cash out','cashout','spend my crypto','withdraw','off ramp','off-ramp','gift card','giftcard','get my money out','turn into cash','convert to dollars'],
+     a:()=>`Three good paths, easiest first: (1) <strong>E-gift cards</strong> — send POL to CWallet (cwallet.com), swap to a US-dollar token there (their internal swaps are virtually free), and buy gift cards for brands you already use — groceries, gas, Amazon. eGifter (egifter.com) also takes crypto directly. (2) <strong>Straight cash-out</strong> via a regulated exchange in your country (Coinbase, Kraken…): send, sell, withdraw to your bank. (3) <strong>Keep it working</strong> — many members leave catches in the wallet to fund their next level. Full guide: <a href="/training#spending">Spending what you earn</a>. Honest notes: those are independent custodial services — only move what you're about to spend; taxes may apply where you live; not financial advice.`},
     {k:['circle method','recruiting course','how do i recruit','recruiting training','get my two','get your two','how to invite','module 1','lessons'],
      a:()=>`That's <a href="/training#circle-method">The Circle Method</a> — our free 10-lesson course, three modules, ~30 minutes total. Module 1 "Get Your Two": mindset, warm list, the exact words, objections. Module 2 "Help Your Two": your dashboard as a coaching desk, the first 48 hours, stalled people, timing upgrades. Module 3 "Teach the Teachers": run the same play + the 20-minute weekly rhythm. The Method's golden rule: the answer to every question is a lesson — when your people ask something, send the lesson that answers it.`},
     {k:['no money','cant afford','can not afford',"can't afford",'broke','they dont have','waiting on payday','no funds to join'],

public/training.html

@@ -64,6 +64,13 @@
 
 <div id="lesson-10" class="video-card" style="max-width:880px;margin:0 auto 26px"><div style="padding:6px 6px 0"><div class="eyebrow" style="color:var(--teal)">Lesson 10 · 3 min</div><h2 style="margin:6px 0 6px">The Weekly Rhythm</h2><p style="color:var(--muted);margin:0 0 12px">Twenty minutes, same time, every week: read the field, lift one mover, check one quiet person, share one thing. Then close the tab. The whole Method, back on the napkin.</p></div><video class="video-frame" style="display:block;width:100%;height:auto;aspect-ratio:16/9" controls preload="none" poster="/v/rmc-method-m3l10-poster.jpg" src="/v/rmc-method-m3l10-3e36532aca.mp4"></video></div>
 
+<div id="spending" class="card" style="max-width:880px;margin:0 auto 26px"><div class="eyebrow">Must-know · 4 min read</div><h2 style="margin:8px 0 10px">Spending what you earn — turning POL into everyday purchases</h2>
+<p style="color:var(--muted);line-height:1.6"><strong style="color:var(--text)">The most common question after the first catch lands:</strong> "Okay, I have crypto… now how do I actually use it?" You have three good paths, from easiest to most traditional:</p>
+<p style="color:var(--muted);line-height:1.6"><strong style="color:var(--text)">1. E-gift cards (the everyday-spending play).</strong> Buy gift cards for brands you already use — groceries, gas, restaurants, Amazon — and pay with crypto. The smoothest route we've found: <strong style="color:var(--text)">CWallet</strong> (cwallet.com). Send POL from your wallet to your CWallet account, swap it to a US-dollar token inside the platform (their internal swaps are virtually free), and buy e-gift cards with the dollar balance. You're paying for things you'd buy anyway — you just funded it with your team earnings. <strong style="color:var(--text)">eGifter</strong> (egifter.com) is a solid alternative that accepts crypto directly for a large gift-card catalog.</p>
+<p style="color:var(--muted);line-height:1.6"><strong style="color:var(--text)">2. Straight cash-out.</strong> If you want actual dollars in the bank, use a regulated exchange available in your country (Coinbase, Kraken, and similar): send POL there, sell, withdraw to your bank. Expect identity verification and a day or two on first withdrawal.</p>
+<p style="color:var(--muted);line-height:1.6"><strong style="color:var(--text)">3. Keep it working.</strong> Plenty of members simply leave catches in the wallet to fund their next level — the "never out of pocket" path from <a href="/training#lesson-8" style="color:var(--teal)">Lesson 8</a>.</p>
+<div class="callout warning" style="margin-top:12px"><strong>Honest notes:</strong> CWallet and eGifter are independent custodial services — only move what you're actively about to spend, and keep the rest in your own wallet. Fees, card availability, and service access vary by region. Selling or spending crypto may have tax implications where you live — keep simple records of what came in and went out. None of this is financial advice.</div></div>
+
 <div class="card" style="max-width:880px;margin:0 auto 26px"><div class="eyebrow">Must-know · 3 min read</div><h2 style="margin:8px 0 10px">Understanding spillover — and getting paid instead of passed</h2>
 <p style="color:var(--muted);line-height:1.65;margin:0 0 12px"><strong style="color:var(--text)">What spillover is.</strong> When a sponsor already has both matrix slots filled, the smart contract places the next new member in the first open slot further down the team — left to right, generation by generation. That member "spills over" into someone else's matrix. If your upline is recruiting, people can land under you that you never spoke to.</p>
 <p style="color:var(--muted);line-height:1.65;margin:0 0 12px"><strong style="color:var(--text)">Why you can have people under you and still not be qualified.</strong> Qualification counts your <em>directs</em> — people who joined using <em>your</em> ID — not who sits in your matrix. Spillover fills your structure, but only your own two recruits qualify your position. Your <a href="/my" style="color:var(--teal)">Member Dashboard</a> tags every spillover placement so you can see the difference at a glance.</p>