Coaching Radar: live downline triage in admin + member dashboards

- chain.js getCoachingScan(rootId): classifies everyone below a root into
  atRisk (POL forming they can't catch - corrected bought-level rule),
  rollForward (qualified-at-Scintilla with entry rewards covering Ascensus),
  and oneAway (1/2 directs)
- Admin: GET /api/admin/coaching?root= (name-decorated) + "Coaching Radar"
  panel with tiered who/what-to-say/POL-at-stake rows, auto-loaded
- Member dashboards: memberPublic now returns .coach scoped to the member's
  own leg; new "Coach your team" card shows the same triage so every member
  coaches their own team - computed live, no snapshots or cron needed
- Chatbot canned answer + AI system prompt updated to describe the panel

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

public/chat.js

@@ -49,7 +49,7 @@
     {k:['tier','standard','premium tier','standard tier','premium vs standard','which tier','half','smaller payment','less than expected','why is my payment'],
      a:()=>`There are two tiers. <strong>Premium</strong> is what our whole team builds at (${pol()} POL entry) — full payments. <strong>Standard</strong> costs about half and pays/earns half at every level. So if a payment ever comes in smaller than expected, it usually came from a Standard-tier position below you. Your tier is <strong>set when you join and can't be changed later</strong> (upgrading advances your level, not your tier), so always join <strong>Premium</strong> and make sure the people you bring on do too. Full breakdown: <a href="/how-pay-works">how-pay-works</a>.`},
     {k:['dashboard','my dashboard','my page','my position','my team','check my','see my','pipeline','my stats','alerts','notify me','email me','get notified'],
-     a:()=>`Your <strong>Member Dashboard</strong> is at <a href="/my">rmcircle.team/my</a> — enter your ID to see your position, your team, your payments, your pipeline (money forming below you), and any spillover under you. You can also turn on <strong>email alerts</strong> there to be notified the moment you're paid or need to upgrade. To share, use your personal invite page: <strong>rmcircle.team/join/&lt;your ID&gt;</strong>.`},
+     a:()=>`Your <strong>Member Dashboard</strong> is at <a href="/my">rmcircle.team/my</a> — enter your ID to see your position, your team (with a depth summary showing members per generation), your payments, your pipeline (money forming below you), any spillover under you, and a <strong>Coach Your Team</strong> panel that tells you exactly who in your leg needs a nudge and what to say. You can also turn on <strong>email alerts</strong> there to be notified the moment you're paid or need to upgrade. To share, use your personal invite page: <strong>rmcircle.team/join/&lt;your ID&gt;</strong>.`},
     {k:['level','levels','upgrade','scintilla','ascensus','fabrica','culmen','apex','fastigium','vertex','corona','8 levels'],
      a:()=>`There are 8 Premium levels: <strong>Scintilla, Ascensus, Fabrica, Culmen, Apex, Fastigium, Vertex, Corona</strong>. Everyone starts at Scintilla. Upgrade as quickly as practical — ideally using earned POL — because the first two payments at each level are designed to help fund your next upgrade. Stay aware of your active downline's levels so you don't fall behind.`},
     {k:['30 positions','goal','milestone','matrix','how many people','team size'],