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.js

@@ -99,6 +99,7 @@
     document.getElementById('dIncome').innerHTML=inc.length
       ?`<div class="table-wrap"><table class="table" style="min-width:520px"><thead><tr><th>When</th><th>From member</th><th>For</th><th>Amount</th></tr></thead><tbody>${inc.map(p=>`<tr><td>${date(p.ts)}</td><td>#${p.fromId}</td><td>${esc(p.desc)}</td><td><strong>${fmt(p.pol)} POL</strong></td></tr>`).join('')}</tbody></table></div>`
       :'<div class="empty">No payments yet — they appear here the moment they land on-chain.</div>';
+    renderNextStep(d);
     renderPipeline(d);
     renderAlerts(d);
     renderShare(d);
@@ -113,6 +114,33 @@
     }catch(e){return ''}
   }
   const LEVELS=['Scintilla','Ascensus','Fabrica','Culmen','Apex','Fastigium','Vertex','Corona'];
+  // "My Next Step" — the single clearest action + the level ladder + a funded
+  // badge (server tells us funded true/false; it never sends the raw balance).
+  function renderNextStep(d){
+    const el=document.getElementById('dNextStep');if(!el)return;
+    const ns=d.nextStep||{},lvl=d.level||1;
+    const ladder=LEVELS.map((nm,i)=>{
+      const L=i+1;let cls='nlv';
+      if(L<lvl)cls+=' done';else if(L===lvl)cls+=' you';else if(ns.kind==='upgrade'&&L===ns.nextLevel)cls+=' next';
+      const tag=L===lvl?'<span class="nlvt">YOU</span>':(ns.kind==='upgrade'&&L===ns.nextLevel?'<span class="nlvt">NEXT</span>':'');
+      return `<div class="${cls}">${tag}<span class="nlvn">${nm}</span></div>`;
+    }).join('');
+    let head='',body='',badge='';
+    if(ns.kind==='qualify'){
+      head='Your next step — get qualified';
+      body=`You need <strong>${ns.need} more direct${ns.need===1?'':'s'}</strong> (people who join on <em>your</em> link) to unlock upgrade payments. Grab your link from <a href="#dShare" style="color:var(--teal)">Share this position</a> below and go get them.`;
+    }else if(ns.kind==='upgrade'){
+      const nm=LEVELS[ns.nextLevel-1]||('Level '+ns.nextLevel);
+      head=`Your next step — upgrade to ${esc(nm)}`;
+      body=`Stay one level ahead of your deepest active team so the pass-ups from below land on <em>you</em> instead of skipping past. Upgrade with your earned POL when you can.`;
+      if(ns.funded===true)badge='<span class="ns-badge ok">✓ Funded — you can upgrade now</span>';
+      else if(ns.funded===false)badge='<span class="ns-badge no">Keep building — not funded yet</span>';
+    }else if(ns.kind==='max'){
+      head="You're at the top level 🏆";
+      body='Keep helping your team duplicate — every level they climb still pays up to you.';
+    }else{el.innerHTML='';return;}
+    el.innerHTML=`<div class="ns-card"><div class="ns-top"><div class="ns-eyebrow">Your plan</div>${badge}</div><div class="ns-h">${head}</div><p class="ns-p">${body}</p><div class="nladder">${ladder}</div></div>`;
+  }
   function renderPipeline(d){
     const el=document.getElementById('dPipeline');
     if(!el)return;