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>

server.js

@@ -380,7 +380,8 @@ async function handleApi(req,res,pathname){
         for(const p of r.income){rows.push({toId:r.id,fromId:p.fromId,pol:p.pol,ts:p.ts,desc:p.desc});grandListed+=p.pol;}
       }
       rows.sort((a,b)=>(b.ts||0)-(a.ts||0));
-      return json(res,200,{ids,perId,rows:rows.slice(0,500),grandEarnedPol:+grand.toFixed(2),grandListedPol:+grandListed.toFixed(2)});
+      let upgradeNeeds=[];try{upgradeNeeds=chain.getOwnerUpgradeNeeds(ids).needs;}catch(e){}
+      return json(res,200,{ids,perId,rows:rows.slice(0,500),grandEarnedPol:+grand.toFixed(2),grandListedPol:+grandListed.toFixed(2),upgradeNeeds});
     }catch(e){return json(res,502,{error:e.message||'Lookup failed'})}
   }
   if(req.method==='GET'&&pathname==='/api/admin/member-lookup'){
@@ -413,7 +414,7 @@ async function handleApi(req,res,pathname){
     const maxOrder=sponsors.reduce((m,s)=>Math.max(m,s.sortOrder||0),0);sponsors.push({id:String(id).trim(),name:String(name).trim(),parentId:String(parentId||'').trim(),directs:0,level,status:sponsors.some(s=>s.status==='active')?'waiting':'active',sortOrder:maxOrder+10,clicks:0,notes:String(notes||'').trim(),email:String(email||'').trim().slice(0,120)});sponsors=normalizeStatuses(sponsors);saveSponsors(sponsors);return json(res,201,{sponsors});
   }
   if(req.method==='PATCH'&&pathname==='/api/admin/config'){
-    const b=await bodyJson(req),cur=getConfig(),next={...cur};for(const k of ['siteName','programName','bridgeHeadline','bridgeSubheadline','premiumEntryPol','dappReferralBaseUrl','telegramUrl','supportLabel','showSponsorName','showQueueProgress','bemobPostbackUrl','telegramBotToken','telegramChatId','telegramTopicId','teamRootId','emailFrom','teamAlertEmail','ownerIds'])if(Object.prototype.hasOwnProperty.call(b,k))next[k]=b[k];next.premiumEntryPol=Number(next.premiumEntryPol)||362;next.updatedAt=new Date().toISOString();writeJson(CONFIG_FILE,next);return json(res,200,{config:next});
+    const b=await bodyJson(req),cur=getConfig(),next={...cur};for(const k of ['siteName','programName','bridgeHeadline','bridgeSubheadline','premiumEntryPol','dappReferralBaseUrl','telegramUrl','supportLabel','showSponsorName','showQueueProgress','bemobPostbackUrl','telegramBotToken','telegramChatId','telegramTopicId','teamRootId','emailFrom','teamAlertEmail','ownerIds','ownerAlertEmail'])if(Object.prototype.hasOwnProperty.call(b,k))next[k]=b[k];next.premiumEntryPol=Number(next.premiumEntryPol)||362;next.updatedAt=new Date().toISOString();writeJson(CONFIG_FILE,next);return json(res,200,{config:next});
   }
   const m=pathname.match(/^\/api\/admin\/sponsors\/([^/]+)(?:\/(increment|activate|qualify|reset|move))?$/);
   if(m){const id=decodeURIComponent(m[1]),action=m[2]||null;let sponsors=getSponsors(),idx=sponsors.findIndex(s=>s.id===id);if(idx<0)return json(res,404,{error:'Sponsor not found.'});
@@ -443,6 +444,40 @@ const server=http.createServer(async(req,res)=>{
 server.listen(PORT,()=>{console.log(`Crypto Team Build sponsor router running on http://localhost:${PORT}`);if(ADMIN_PASSWORD==='changeme')console.warn('WARNING: Set ADMIN_PASSWORD before production deployment.');});
 // Team-activity alerts: any NEW on-chain event at/below config.teamRootId goes
 // to the Telegram group topic, with the sponsor's contact email when we have it.
+// Owner upgrade watcher: emails/Telegrams when an owned position (config.ownerIds)
+// has a payment about to arrive it can't catch yet, so Marty can upgrade in time.
+const OWNER_ALERTS_FILE = path.join(DATA_DIR, 'owner-alerts.json');
+function loadOwnerAlerts(){ try{ return new Set(readJson(OWNER_ALERTS_FILE)); }catch(e){ return new Set(); } }
+function parseOwnerIds(){ return [...new Set(String(getConfig().ownerIds||'').split(',').map(s=>parseInt(String(s).trim(),10)).filter(n=>Number.isInteger(n)&&n>0))].slice(0,12); }
+function checkOwnerUpgrades(){
+  try{
+    const c=getConfig(); const ids=parseOwnerIds();
+    if(!ids.length) return;
+    const res=chain.getOwnerUpgradeNeeds(ids);
+    if(!res.ready) return;
+    const alerted=loadOwnerAlerts(); const active=new Set();
+    for(const n of res.needs){
+      const key=`${n.id}:${n.reason}:${n.neededLevel}`; active.add(key);
+      if(alerted.has(key)) continue;
+      alerted.add(key);
+      const who=n.members.map(m=>'#'+m).join(', ');
+      const action=n.reason==='qualify'
+        ? `Position #${n.id} needs its 2 directs to catch this.`
+        : `Upgrade position #${n.id} (now ${n.levelName}) to ${n.neededLevelName} to catch it.`;
+      if(c.ownerAlertEmail){
+        sendEmailRaw(c.ownerAlertEmail,
+          `RM Circle: upgrade #${n.id} to ${n.neededLevelName} — ${n.amountAtRisk} POL incoming`,
+          `Heads up — one of your positions has money about to arrive that it can't catch yet.\n\nPosition #${n.id} is at ${n.levelName}. Member(s) ${who} are ONE upgrade away from paying #${n.id} about ${n.amountAtRisk} POL — but that payment only stops at #${n.id} if it's at ${n.neededLevelName} and qualified.\n\n${action}\n\nDo it before they upgrade, or the payment passes to the next eligible position above you (it doesn't come back). Your positions: https://rmcircle.saasy.top/admin\n\n— RM Circle auto-watch`);
+      }
+      sendTelegram(`⏫ UPGRADE #${n.id} SOON: ${who} one upgrade from paying ~${n.amountAtRisk} POL. #${n.id} is ${n.levelName} — needs ${n.neededLevelName}${n.reason==='qualify'?' + 2 directs':''}. Upgrade before they do.`);
+    }
+    let changed=false;
+    for(const k of [...alerted]) if(!active.has(k)){ alerted.delete(k); changed=true; }
+    if(changed||active.size) writeJson(OWNER_ALERTS_FILE,[...alerted]);
+  }catch(e){ console.error('owner upgrade check', e.message); }
+}
+setInterval(checkOwnerUpgrades, 5*60*1000).unref();
+setTimeout(checkOwnerUpgrades, 30000).unref();
 chain.startIndexer(evt=>{
   try{
     const c=getConfig();