diff --git a/public/chat.js b/public/chat.js
index 93ed433..ad93c26 100644
--- a/public/chat.js
+++ b/public/chat.js
@@ -32,6 +32,16 @@
      a:()=>`Fair question — don't take anyone's word for it. We reviewed the complete verified source of the RM Circle smart contract and published a plain-language breakdown at <a href="/contract">rmcircle.team/contract</a>: the code can never change (no upgrade mechanism exists), member money never sits in the contract (every payment distributes in the same transaction), prices and payout rules are locked forever, and the operator's powers are limited to a short, honest list. Every claim links to the blockchain so you can verify it yourself. Code security isn't an income guarantee though — results depend on real participation, and POL's value moves.`},
     {k:['disappear','disappears','creator','creators','abandon','abandoned','walk away','goes away','shut down','shuts down','still work','keep running','keeps running','autonomous','dies','lost keys','without them','stop working','turned off','if they leave','what if they','forever','over time'],
      a:()=>`Great question — and we checked it on-chain, not just in theory. The contract needs <strong>no one</strong> to keep it running: joins, upgrades, placement and every payout are fully automatic — no button anyone has to press, no expiry. If the creators walked away, lost their keys, or vanished, member payments keep flowing exactly as coded. We also verified that the founder, development and fee wallets are <strong>ordinary wallets, not programs</strong> — an ordinary wallet always accepts an incoming payment even if its key is lost forever, so a dead admin wallet can't jam a single member payment (at worst the project's <em>own</em> fee sits there uncollected). And the contract holds no stored balance — every payment is delivered in the same transaction. Full write-up in section 6 of <a href="/contract">rmcircle.team/contract</a>.`},
+    {k:['pyramid','ponzi','pyramid scheme','ponzi scheme','mlm','recruiting scheme','is this a scheme'],
+     a:()=>`A pyramid or Ponzi scheme funnels everyone's money to a central company and pays earlier joiners out of later joiners' deposits — and you can't verify any of it. This is the opposite: <strong>no company holds the money</strong>. A public smart contract on Polygon sends each payment person-to-person in the same transaction it arrives, and you can read the code and every payout yourself on-chain — nothing pooled, nothing hidden, rules that can't be changed. It <em>is</em> a team build, so it takes real effort and carries real crypto risk — not a passive investment. But you don't have to trust anyone; verify it at <a href="/contract">rmcircle.team/contract</a>. No income is guaranteed.`},
+    {k:['stops there','stop there','dead end','runs out','run out of people','get their two','get their 2','their own two','only two people','what if my two','cant get their'],
+     a:()=>`Honest answer: everyone needs their <strong>own</strong> 2 to qualify — no one else's activity qualifies them. But a leg doesn't just dead-end. It's a team: your job is to help your 2 get theirs, and your upline earns as your team grows, so helping you win is in their interest too. And when uplines bring in more than 2, the extras <strong>spill down</strong> and fill the matrix beneath you — adding depth even when someone's own recruiting is slow. It only truly stalls if everyone stops helping, which is the one thing a team is built to prevent. (Spillover fills your matrix but never <em>qualifies</em> anyone — their own directs do that.)`},
+    {k:['afford','cant afford','can t afford','no money to upgrade','forced to upgrade','have to upgrade','keep paying','cant keep up'],
+     a:()=>`Upgrades are <strong>optional and self-paced</strong> — you're never on a timer, and you should never use money you can't afford to lose. You upgrade to catch payments from deeper in your team, and the first payments at each level are designed to help fund the next upgrade, so many people let team activity pay their way up instead of out of pocket. Start where you're comfortable and move at your own pace. See how it lines up at <a href="/how-pay-works">how-pay-works</a>.`},
+    {k:['salesperson','not a seller','sales pitch','know anyone','no one to bring','nobody to','not good at sales','bad at recruiting','hate selling','who would i'],
+     a:()=>`Good news — there's nothing to sell. You share a short video and your invite link, and the site does the explaining for you. You don't need a big network or a sales pitch — just a couple of people who are curious. The team even gives you ready-made <a href="/tools">promo tools</a> (posts, swipes, videos) so you're not starting from a blank page. Get your 2, help them get their 2 — that's the whole ask.`},
+    {k:['quit','they quit','people quit','drop out','give up','go inactive','stop doing','flake','lose interest'],
+     a:()=>`Some people go quiet — that's normal anywhere. But a position lives on the blockchain and doesn't vanish when someone steps back, and the team keeps building around a quiet spot (spillover can still fill beneath it). You don't need everyone active — you need a couple of real builders. Focus on the people who show up, go deep with them, and the leg keeps growing. Build with people who genuinely want it — and remember, no income is guaranteed.`},
     {k:['spillover','spill over','spill','under me but not qualified','people under me','not my direct','passed over','missed payment','skipped','why am i not qualified'],
      a:()=>`<strong>Spillover</strong> happens when someone's sponsor already has both matrix slots full — the smart contract then places the new member in the next open slot further down, which can be under YOU. Spillover fills your matrix and sets up future upgrade payments to your position, but it does <strong>not</strong> count toward your qualification: only people who join using <em>your</em> ID are your directs. That's why you can see 2 under you and still show 1/2. And important: upgrade payments only stop at positions that are qualified (2 directs) AND at the required level — otherwise the payment passes you by to the next eligible upline. Check your position on your <a href="/my">Member Dashboard</a> — spillover placements are tagged there.`},
     {k:['how do i get paid','how do i earn','commission','commissions','how payments work','how does the money','payout','payouts','pay flow','when do i get paid','how do i make money','income','two ways','how you get paid'],
diff --git a/server.js b/server.js
index 173611b..93ab59c 100644
--- a/server.js
+++ b/server.js
@@ -46,6 +46,12 @@ FACTS:
 - Current team sponsor: ${a ? `ID ${a.id}${c.showSponsorName && a.name ? ` (${a.name})` : ''}, ${a.directs}/2 directs` : 'shown on the start page'}. ${waiting} placement(s) waiting. Placements rotate as positions qualify — always verify on https://rmcircle.team/start right before joining.
 - Site pages: https://rmcircle.team/ (strategy overview + roadmap + live team stats), https://rmcircle.team/start (current sponsor + join steps), https://rmcircle.team/training (4 videos + spillover article), https://rmcircle.team/how-pay-works (the two income streams shown as a pay-flow diagram + Premium/Standard tier comparison), https://rmcircle.team/contract (plain-language security review of the verified smart contract — code can't change, no pooled funds, locked rules, honest list of operator powers), https://rmcircle.team/my (member dashboard), https://rmcircle.team/tools (for existing team members who want to promote — share-ready promo videos, copy-paste social posts, short/long email swipes, and a downloadable banner kit in every standard size; to write promos in their own voice, mybrandedvoice.com), https://rmcircle.team/disclaimer (affiliate/earnings/risk disclosures).
 - Telegram group for live team help: ${c.telegramUrl || 'https://t.me/cryptoteambuild'}
+- OBJECTIONS (answer honestly, never with hype or promises):
+  - "Is this a pyramid/Ponzi/scam?": a pyramid or Ponzi routes everyone's money to a central company that pays earlier joiners out of later joiners' deposits, with nothing verifiable. Here NO company holds funds — the smart contract pays person-to-person in the same transaction and the code plus every payout are public on-chain (verify at https://rmcircle.team/contract). Be plain that it is a team build with real effort and real crypto risk, not a passive investment.
+  - "If my two can't get their two, doesn't it stop there?": everyone needs their OWN 2 to qualify (spillover never qualifies for them), but a leg does not dead-end — it is a team: you help your 2 get theirs, uplines earn as the team grows so helping you is in their interest, and spillover adds depth when personal recruiting is slow. It only truly stalls if everyone stops helping.
+  - "What if I can't afford the upgrades?": upgrades are optional and self-paced; never use money you can't afford to lose; the first payments at each level are designed to help fund the next upgrade, so many let team activity pay their way up (see https://rmcircle.team/how-pay-works).
+  - "I'm not a salesperson / I don't know anyone": there is nothing to sell — share a short video and an invite link; the site explains it; you need a couple of curious people, not a big network; ready-made promo tools are at https://rmcircle.team/tools.
+  - "What if people quit?": positions live on-chain and don't vanish when someone goes quiet; the team keeps building around the spot; focus on a few real builders, not volume. No income is guaranteed.
 
 RULES:
 - Keep answers short: 1-4 sentences, plain text, no markdown formatting. Include full URLs when pointing to a page.