Show a USD equivalent next to Earned below you

Server keeps an hourly-cached POL/USD spot price (CoinGecko, 8s
timeout, last-known fallback) and rides it on the member API. The
org bar adds a dollar tile with the rate it used; hidden when no
price is known. Display-only - never used in on-chain math.

public/chat.js

@@ -35,7 +35,7 @@
     {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:['how many people','team size','organization size','org size','how big is my team','total team','people in my team','members below'],
-     a:()=>`Open your dashboard at <a href="/my">rmcircle.team/my</a> and look at the top of the "Your team" panel — the organization bar shows your total member count, how many generations deep your team runs, how many positions below you are qualified, and the total POL earned below you. The matrix cards under it break the same numbers down leg by leg (the ⬇ rollup line on each card counts everyone underneath, all the way down).`},
+     a:()=>`Open your dashboard at <a href="/my">rmcircle.team/my</a> and look at the top of the "Your team" panel — the organization bar shows your total member count, how many generations deep your team runs, how many positions below you are qualified, the total POL earned below you, and its approximate US-dollar value at the latest POL price (refreshed about hourly). The matrix cards under it break the same numbers down leg by leg (the ⬇ rollup line on each card counts everyone underneath, all the way down).`},
     {k:['wont upgrade',"won't upgrade",'not upgrading','refuses to upgrade','stalled','stuck member','not ready to upgrade','below me wont','waiting on someone','blocked by'],
      a:()=>`Good news — a member who isn't upgrading never blocks your money. Each person below you pays you separately, once, at one level; nothing waits on pairs or chains. If someone pauses, payments they can't catch simply pass UP to the next ready position (often yours), and everyone below them keeps flowing normally. The only thing on hold is the single payment that person would send at your matching level. Never pressure anyone — upgrades are optional and self-paced, and paused members often return once their own entry rewards stack up and the upgrade funds itself. Your <a href="/my">pipeline panel</a> shows who's actually moving — coach them.`},
     {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'],

public/my.js

@@ -92,6 +92,7 @@
       `<div class="fact" style="flex:1;min-width:110px"><small>Generations deep</small><strong style="font-size:22px">${gens}</strong></div>`+
       `<div class="fact" style="flex:1;min-width:110px"><small>Qualified below you</small><strong style="font-size:22px">${q}</strong></div>`+
       `<div class="fact" style="flex:1;min-width:140px"><small>Earned below you</small><strong style="font-size:22px;color:var(--ok)">${fmt(st.downPol)} POL</strong></div>`+
+      (d.polUsd>0?`<div class="fact" style="flex:1;min-width:140px"><small>≈ US dollars (POL @ $${d.polUsd<0.1?d.polUsd.toFixed(4):d.polUsd.toFixed(2)})</small><strong style="font-size:22px;color:var(--ok)">$${(st.downPol*d.polUsd).toLocaleString(undefined,{maximumFractionDigits:0})}</strong></div>`:'')+
       `</div>`;
   }
   function renderTree(){