Fix off-by-one in catch-eligibility: catcher must be AT the bought level

The pipeline widget, owner upgrade alerts, and the org routing/leak map all
treated a position as eligible to catch a payment at the buyer's PRE-upgrade
level (level >= depth). Verified against on-chain history: position 6, at
exactly the pre-upgrade level (Ascensus) and qualified, was passed over on
position 8's Fabrica buy - so the contract requires the catcher to be at the
level being BOUGHT (depth+1), matching the "stay one level ahead" doctrine.

- chain.js getOwnerUpgradeNeeds: eligible now pLevel >= depth+1; neededLevel
  reported as the bought level (was one low, so alerts would have stayed
  silent in exactly the situation they exist for)
- chain.js getOrgRouting catcher(): same correction in the routing simulation
- my.js pipeline: needLevel/eligible/summary-text ladder corrected; warnings
  now name the right level

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

chain.js

@@ -556,7 +556,10 @@ function getOwnerUpgradeNeeds(ids) {
     (function walk(n, depth) {
       if (!n) return;
       if (depth >= 1 && (n.level || 1) === depth) {
-        const eligible = pQual && pLevel >= depth;
+        // catcher must be AT the level being bought (depth+1), not the buyer's
+        // pre-upgrade level — verified on-chain: #6 was passed at exactly the
+        // pre-upgrade level on #8's Fabrica buy (2026-08-14)
+        const eligible = pQual && pLevel >= depth + 1;
         if (!eligible) items.push({ memberId: n.id, depth, amount: (costs.up[n.tier === 2 ? 2 : 1] || [])[depth - 1] || 0 });
       }
       walk(n.left, depth + 1); walk(n.right, depth + 1);
@@ -566,7 +569,7 @@ function getOwnerUpgradeNeeds(ids) {
       const atMin = items.filter(i => i.depth === minDepth);
       needs.push({
         id, level: pLevel, levelName: levelName(pLevel), qualified: pQual,
-        neededLevel: minDepth, neededLevelName: levelName(minDepth),
+        neededLevel: minDepth + 1, neededLevelName: levelName(minDepth + 1),
         members: atMin.map(i => i.memberId),
         amountAtRisk: +atMin.reduce((s, i) => s + i.amount, 0).toFixed(2),
         reason: pQual ? 'upgrade' : 'qualify'
@@ -592,7 +595,7 @@ function getOrgRouting(rootId, ownerIds) {
       if (!up || up === CROOT) return null;
       const u = M[up]; if (!u) return null;
       if (i < li) { up = u.uplineId; continue; }
-      if ((u.level || 1) > li && (u.directCount || 0) >= 2) return up;
+      if ((u.level || 1) > li + 1 && (u.directCount || 0) >= 2) return up;
       up = u.uplineId;
     }
     return null;

public/my.js

@@ -199,7 +199,7 @@
       if(depth>=1){
         if(lvl===depth){
           const amt=(up[tier]||[])[depth-1];
-          if(amt)ready.push({id:n.id,depth,tier,amt,toLevel:LEVELS[depth]||('Level '+(depth+1)),needLevel:depth});
+          if(amt)ready.push({id:n.id,depth,tier,amt,toLevel:LEVELS[depth]||('Level '+(depth+1)),needLevel:depth+1});
         }else if(lvl<depth)building.push({id:n.id,depth,steps:depth-lvl});
         else passedCount.n++;
       }
@@ -253,8 +253,8 @@
     const maxG=Math.min(6,Math.max(2,...Object.keys(gens).map(Number).concat([2])));
     for(let g=1;g<=maxG;g++){
       const amt=up[g-1]; if(!amt)continue;
-      const buys=LV[g]||'the top'; const need=LV[g-1];
-      const have=d.directCount>=2&&myLevel>=g;
+      const buys=LV[g]||'the top'; const need=LV[g]||'the top';
+      const have=d.directCount>=2&&myLevel>=g+1;
       const cnt=(gens[g]||[]).length;
       L.push(`• Layer ${g}${cnt?` (${cnt} ${cnt===1?'person':'people'})`:''}: their ${buys} upgrade pays you ${money(amt)} POL each — needs you at ${need}${have?' ✅ you already are':' ← get here to catch it'}`);
     }
@@ -266,11 +266,11 @@
     const nextName=LV[myLevel]||'max level';
     // shallowest layer you can't yet catch
     let gap=0;
-    for(let g=1;g<=8;g++){ if((gens[g]||[]).length && !(d.directCount>=2&&myLevel>=g)){ gap=g; break; } }
+    for(let g=1;g<=8;g++){ if((gens[g]||[]).length && !(d.directCount>=2&&myLevel>=g+1)){ gap=g; break; } }
     // is anyone in the gap layer already close (at/near their pay-you level)?
     const gapClose=gap&&(gens[gap]||[]).some(n=>(n.level||1)>=gap-1);
     if(d.directCount<2) L.push(`YOUR NEXT MOVE: get your 2 directs. Until then none of this pipeline can pay you — spillover fills your team but only your own 2 qualify you.`);
-    else if(gap) L.push(`YOUR NEXT MOVE: your next uncovered layer is layer ${gap} — to catch their ${LV[gap]||'top'} upgrades you'll need to be at ${LV[gap-1]} (${myNext?money(myNext)+' POL':''}). They're still climbing toward it${gapClose?', and getting close — worth upgrading soon':", so no rush — just get there before they do"}. You're already eligible for everything shallower.`);
+    else if(gap) L.push(`YOUR NEXT MOVE: your next uncovered layer is layer ${gap} — to catch their ${LV[gap]||'top'} upgrades you'll need to be at ${LV[gap]||'the top'} yourself (next step: ${nextName}${myNext?', '+money(myNext)+' POL':''}). They're still climbing toward it${gapClose?', and getting close — worth upgrading soon':", so no rush — just get there before they do"}. You're already eligible for everything shallower.`);
     else if(myNext) L.push(`YOUR NEXT MOVE: you're currently eligible for every active layer. As your team goes deeper, upgrade to ${nextName} (${money(myNext)} POL) before that new layer climbs to its pay-you level.`);
     L.push('');
     L.push(`See it live and get a red alert the moment you'd miss one: rmcircle.team/my/${d.id}`);