Alert when an owned position needs upgrading to catch incoming pay

New owner upgrade watcher: every 5 min it checks config.ownerIds against
the chain state and, when a leg member is ONE upgrade from paying a
position that isn't eligible yet (below the required level, or not
qualified), emails config.ownerAlertEmail + pings Telegram — "upgrade
#24 to Fabrica, #61 is one upgrade from paying you 2,486 POL." Deduped
per (position, level) in owner-alerts.json, re-fires if the situation
recurs. Same warning renders inline in the admin "My Positions" panel
(upgradeNeeds in the income endpoint). New ownerAlertEmail settings
field. Detection logic unit-tested.

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

public/admin.js

@@ -37,7 +37,7 @@ function render(){
   const incEl=document.getElementById('incomeIds');if(incEl&&!incEl.value)incEl.value=state.config.ownerIds||'21,24,25';
   if(!incomeAutoLoaded&&incEl&&incEl.value){incomeAutoLoaded=true;loadIncome();}
   const efi=document.getElementById('emailFromInput');if(efi&&!efi.value)efi.value=state.config.emailFrom||em.from||'';
-  const f=document.getElementById('configForm'),c=state.config;for(const k of ['siteName','programName','bridgeHeadline','bridgeSubheadline','premiumEntryPol','dappReferralBaseUrl','telegramUrl','supportLabel','bemobPostbackUrl','telegramBotToken','telegramChatId','telegramTopicId','teamRootId','teamAlertEmail'])if(f.elements[k])f.elements[k].value=c[k]??'';f.elements.showSponsorName.checked=!!c.showSponsorName;f.elements.showQueueProgress.checked=!!c.showQueueProgress;
+  const f=document.getElementById('configForm'),c=state.config;for(const k of ['siteName','programName','bridgeHeadline','bridgeSubheadline','premiumEntryPol','dappReferralBaseUrl','telegramUrl','supportLabel','bemobPostbackUrl','telegramBotToken','telegramChatId','telegramTopicId','teamRootId','teamAlertEmail','ownerAlertEmail'])if(f.elements[k])f.elements[k].value=c[k]??'';f.elements.showSponsorName.checked=!!c.showSponsorName;f.elements.showQueueProgress.checked=!!c.showQueueProgress;
 }
 document.getElementById('loginForm').addEventListener('submit',async e=>{e.preventDefault();const err=document.getElementById('loginError');err.textContent='';try{await api('/api/admin/login',{method:'POST',body:JSON.stringify({password:document.getElementById('password').value})});document.getElementById('password').value='';await loadState()}catch(x){err.textContent=x.message}});
 document.getElementById('logoutBtn').addEventListener('click',async()=>{await api('/api/admin/logout',{method:'POST'});location.reload()});
@@ -61,6 +61,8 @@ async function loadIncome(){
     const d=await api('/api/admin/income?ids='+encodeURIComponent(ids));
     const fmt=n=>Number(n).toLocaleString(undefined,{maximumFractionDigits:2});
     const date=ts=>ts?new Date(ts*1000).toISOString().replace('T',' ').slice(0,16):'—';
+    const needs=d.upgradeNeeds||[];
+    document.getElementById('incomeAlert').innerHTML=needs.length?needs.map(n=>`<div class="callout warning" style="margin-bottom:10px">⏫ <strong>Upgrade #${n.id} to ${esc(n.neededLevelName)}${n.reason==='qualify'?' (and get 2 directs)':''}</strong> — ${n.members.map(m=>'#'+m).join(', ')} ${n.members.length===1?'is':'are'} one upgrade from paying you ~${fmt(n.amountAtRisk)} POL, but #${n.id} (${esc(n.levelName)}) can't catch it yet. Upgrade before they do or it passes up.</div>`).join(''):'';
     sum.innerHTML=`<div class="fact" style="border-color:rgba(123,224,161,.4)"><small>Total received (all)</small><strong style="color:var(--ok);font-size:18px">${fmt(d.grandEarnedPol)} POL</strong></div>`+
       d.ids.map(id=>{const p=d.perId[id]||{};return `<div class="fact"><small>#${id}${p.registered&&p.levelName?' · '+esc(p.levelName):''}</small><strong>${p.registered?fmt(p.totalEarnedPol)+' POL':'<span style=\"color:var(--danger)\">not registered</span>'}</strong>${p.registered?`<div class="micro" style="margin-top:2px">${p.count} payment${p.count===1?'':'s'}</div>`:''}</div>`}).join('');
     out.innerHTML=d.rows.length?`<div class="table-wrap"><table class="table" style="min-width:640px"><thead><tr><th>When (UTC)</th><th>To</th><th>From</th><th>For</th><th>Amount</th></tr></thead><tbody>${d.rows.map(r=>`<tr><td>${date(r.ts)}</td><td><strong class="mt-id">#${r.toId}</strong></td><td>#${r.fromId}</td><td>${esc(r.desc||'')}</td><td><strong>${fmt(r.pol)} POL</strong></td></tr>`).join('')}</tbody></table></div><p class="micro" style="margin:8px 0 0">${d.rows.length} payment${d.rows.length===1?'':'s'} across your positions, newest first.</p>`:'<div class="empty">No payments recorded to these positions yet.</div>';