Dashboard 'My Next Step' panel + funded badge

Adds a synthesized next-step panel to /my: the level ladder (you-are-here →
upgrade-next), the single clearest action (qualify vs upgrade), and a funded
badge that checks the member's wallet against their next upgrade cost.

Privacy: the wallet balance is checked server-side (chain.balanceOf via
eth_getBalance) and ONLY a funded true/false is returned — the raw balance is
never exposed on the ID-addressable dashboard.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

public/my.html

@@ -7,6 +7,7 @@
 <div id="coldIntro" class="hidden cold-intro"><button id="coldIntroClose" class="cold-intro-x" title="Dismiss">×</button><div class="eyebrow">New here? What you're looking at</div><p style="margin:8px 0 12px;line-height:1.6">This is a live member dashboard for the <strong>RM Circle Premium team build</strong> — a team-first strategy on the Polygon blockchain where every payment happens on a public smart contract that nobody can fake or edit. The plan is simple: <strong>get your 2, then help your 2 get their 2.</strong> Every number on this page is this member's real position, read straight from the blockchain.</p><div style="display:flex;gap:10px;flex-wrap:wrap"><a id="coldIntroJoin" class="btn btn-primary btn-sm" href="/join">Read your invitation from this member →</a><a class="btn btn-secondary btn-sm" href="/">How the strategy works</a></div><p class="micro" style="margin:10px 0 0">Independent team training resource • Participation involves risk • No income is guaranteed</p></div>
 <div style="display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:6px"><div><div class="eyebrow">Member position</div><h1 style="margin:6px 0 0">Position <span class="gold" id="dTitle">#—</span> <span id="dVerified" class="live-badge" style="vertical-align:middle;margin-left:8px"><span class="dot"></span> Verified on-chain</span> <span id="dQualified"></span></h1></div><button id="switchId" class="btn btn-secondary btn-sm">Look up another ID</button></div>
 <div id="dFacts" class="facts" style="grid-template-columns:repeat(3,1fr);margin:18px 0"></div>
+<div id="dNextStep"></div>
 <div class="table-card" style="margin-bottom:18px"><div style="display:flex;justify-content:space-between;gap:12px;align-items:flex-start;flex-wrap:wrap"><div><h2 style="margin:0 0 4px">Your team</h2><p style="color:var(--muted);font-size:13px;margin:0 0 14px">Your position's matrix — the rollup line on each card counts everyone underneath, all the way down. Click a position to drill into that leg. Open slots are where the next placements land.</p></div><button id="dTreeToggle" class="btn btn-secondary btn-sm">List view</button></div><div id="dTreeNav" style="display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin-bottom:12px"></div><div id="dTree"></div><p class="micro" style="margin:14px 0 0"><span class="mtp-qmark" style="position:static;display:inline-grid;vertical-align:middle">✓</span> qualified (2/2 directs) · <span class="mt-badge mt-prem">P</span> Premium · <span class="mt-badge">S</span> Standard · ⬇ everyone below that position (all generations) and the POL they've earned · <span style="color:var(--teal)">↧ spillover</span> = placed there by upline activity; only members who join with a position's own ID count toward its 2/2</p><div id="dSpillNote" class="hidden"></div></div>
 <div class="table-card" style="margin-bottom:18px;border-color:rgba(123,224,161,.4)"><h2 style="margin:0 0 4px">Your pipeline</h2><p style="color:var(--muted);font-size:13px;margin:0 0 12px">Money forming below you. Each generation in your leg pays your position at exactly one level — when a member's level catches up to their depth, their <em>next</em> upgrade comes to you.</p><div id="dPipeline"></div></div>
 <div class="table-card" style="margin-bottom:18px;border-color:rgba(78,214,203,.35)"><h2 style="margin:0 0 4px">Email me my alerts</h2><p style="color:var(--muted);font-size:13px;margin:0 0 12px">Get an email the moment this position is <strong>paid</strong>, and when it <strong>needs an upgrade</strong> to catch incoming pay — so you never miss one. Opt in with your email; unsubscribe anytime.</p><div id="dAlerts"></div></div>