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;