minor user experience and stability updates

The latest minor update resulted in a negative impact, characterized by a 0.56 star decline in the average Android rating. While the interface changes received some praise, reports of total app failure and increased ad frequency drove the overall sentiment downward. Despite these issues, the app maintained an improved category rank of 59.

Policies and memberships can now be enrolled in Auto Pay using Google Pay.
Minor user experience updates for first time users who are exploring as a Guest without logging in.