Update financials

web/public/md/financials.md

@@ -1,20 +1,30 @@
 # Financials
 
-See [this spreadsheet](https://docs.google.com/spreadsheets/d/18GJr-xSi_ypkgQIxfwPTMaKgQsfLLTjrZBtYd-TeGbc/edit?usp=sharing) for the most updated information. 
-
+See [this spreadsheet](https://docs.google.com/spreadsheets/d/18GJr-xSi_ypkgQIxfwPTMaKgQsfLLTjrZBtYd-TeGbc/edit?usp=sharing) for the most up-to-date breakdown.
 ### Expenses
 
-- Hosting & Infrastructure: $100
-- Marketing: $0
-- Miscellaneous: $0
+- **Hosting & Infrastructure**: $100    
+- **Development**: $0 (all volunteer-driven)
+- **Marketing**: $0 (growth is organic and community-led)
+- **Miscellaneous / Private Costs**: $0
 
 ### Funding Sources
 
-- Donations: $0
-- Grants: $0
+- **Donations**: $0
+- **Grants**: $0
 
 ### Financial Summary
 
-- Total Income: $0
-- Total Expenses: $100
-- Net Surplus: -$100
+- **Total Income**: $0
+- **Total Expenses**: $100
+- **Net Surplus**: -$100
+
+### Why Compass is Money-Efficient
+
+Compass is built entirely by volunteers and contributors, meaning every dollar donated goes **directly into infrastructure** (servers, hosting, maintenance).
+
+- No salaries.
+- No marketing budget.
+- No hidden private spending.
+
+This ensures that donations are never diluted — 100% of funds serve the mission of keeping Compass running and accessible.