diff --git a/index.html b/index.html
index 190374a..30c0b4e 100644
--- a/index.html
+++ b/index.html
@@ -13,9 +13,10 @@
     --accent: #6c5ce7;
     --accent-glow: rgba(108,92,231,0.3);
     --green: #00d68f;
-    --green-dim: rgba(0,214,143,0.15);
+    --green-dim: rgba(0,214,143,0.12);
     --red: #ff6b6b;
     --yellow: #ffd93d;
+    --orange: #ff9f43;
     --text: #e4e6f0;
     --text-dim: #8a8fa8;
     --text-muted: #5a5e7a;
@@ -29,17 +30,17 @@
     background: var(--bg);
     color: var(--text);
     min-height: 100vh;
-    padding: 20px;
+    padding: 16px;
   }
-  .container { max-width: 1100px; margin: 0 auto; }
+  .container { max-width: 1200px; margin: 0 auto; }
 
   /* Header */
   .header {
     text-align: center;
-    padding: 40px 20px 30px;
+    padding: 30px 16px 24px;
   }
   .header h1 {
-    font-size: 2.2rem;
+    font-size: 2rem;
     font-weight: 700;
     background: linear-gradient(135deg, var(--accent), #a78bfa);
     -webkit-background-clip: text;
@@ -48,28 +49,28 @@
   }
   .header p {
     color: var(--text-dim);
-    margin-top: 8px;
-    font-size: 0.95rem;
+    margin-top: 6px;
+    font-size: 0.9rem;
   }
 
   /* Controls */
   .controls {
     display: grid;
-    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
-    gap: 14px;
+    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
+    gap: 12px;
     background: var(--card);
     border: 1px solid var(--border);
     border-radius: var(--radius);
-    padding: 24px;
-    margin-bottom: 24px;
+    padding: 20px;
+    margin-bottom: 20px;
   }
   .control-group {
     display: flex;
     flex-direction: column;
-    gap: 6px;
+    gap: 5px;
   }
   .control-group label {
-    font-size: 0.78rem;
+    font-size: 0.72rem;
     font-weight: 600;
     color: var(--text-dim);
     text-transform: uppercase;
@@ -79,9 +80,9 @@
     background: var(--bg);
     border: 1px solid var(--border);
     border-radius: var(--radius-sm);
-    padding: 10px 14px;
+    padding: 9px 12px;
     color: var(--text);
-    font-size: 0.95rem;
+    font-size: 0.9rem;
     font-family: var(--font);
     outline: none;
     transition: border-color 0.2s;
@@ -92,28 +93,22 @@
   }
   .control-group input[type="number"] { -moz-appearance: textfield; }
   .control-group input::-webkit-inner-spin-button, .control-group input::-webkit-outer-spin-button { -webkit-appearance: none; }
-  .control-row {
-    display: flex;
-    gap: 12px;
-    align-items: end;
-  }
-  .control-row .control-group { flex: 1; }
   .checkbox-group {
     display: flex;
     align-items: center;
-    gap: 10px;
-    padding-top: 22px;
+    gap: 8px;
+    padding-top: 20px;
   }
   .checkbox-group label {
-    font-size: 0.85rem;
+    font-size: 0.82rem;
     font-weight: 400;
     text-transform: none;
     letter-spacing: 0;
     color: var(--text);
   }
   .checkbox-group input[type="checkbox"] {
-    width: 18px;
-    height: 18px;
+    width: 16px;
+    height: 16px;
     accent-color: var(--accent);
   }
 
@@ -125,17 +120,17 @@
     border: 1px solid var(--border);
     border-radius: var(--radius);
     padding: 4px;
-    margin-bottom: 20px;
+    margin-bottom: 18px;
     overflow-x: auto;
   }
   .tab-btn {
     flex: 1;
-    padding: 10px 16px;
+    padding: 9px 14px;
     border: none;
     border-radius: 8px;
     background: transparent;
     color: var(--text-dim);
-    font-size: 0.85rem;
+    font-size: 0.82rem;
     font-weight: 500;
     cursor: pointer;
     transition: all 0.2s;
@@ -143,61 +138,85 @@
     font-family: var(--font);
   }
   .tab-btn:hover { color: var(--text); background: var(--card-hover); }
-  .tab-btn.active {
-    background: var(--accent);
-    color: white;
-  }
+  .tab-btn.active { background: var(--accent); color: white; }
 
-  /* Results */
   .results { display: none; }
   .results.active { display: block; }
 
-  /* Summary cards */
+  /* Summary */
   .summary-grid {
     display: grid;
-    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
-    gap: 12px;
-    margin-bottom: 24px;
+    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
+    gap: 10px;
+    margin-bottom: 20px;
   }
   .summary-card {
     background: var(--card);
     border: 1px solid var(--border);
     border-radius: var(--radius);
-    padding: 18px 20px;
+    padding: 16px;
     text-align: center;
   }
   .summary-card .label {
-    font-size: 0.72rem;
+    font-size: 0.68rem;
     text-transform: uppercase;
     letter-spacing: 0.5px;
     color: var(--text-dim);
     font-weight: 600;
   }
   .summary-card .value {
-    font-size: 1.6rem;
+    font-size: 1.5rem;
     font-weight: 700;
-    margin-top: 6px;
+    margin-top: 5px;
   }
   .summary-card .value.green { color: var(--green); }
   .summary-card .value.accent { color: var(--accent); }
   .summary-card .value.yellow { color: var(--yellow); }
+  .summary-card .value.orange { color: var(--orange); }
   .summary-card .sub {
-    font-size: 0.78rem;
+    font-size: 0.75rem;
     color: var(--text-muted);
-    margin-top: 4px;
+    margin-top: 3px;
   }
 
-  /* Table */
+  /* Chart area */
+  .chart-wrap {
+    background: var(--card);
+    border: 1px solid var(--border);
+    border-radius: var(--radius);
+    padding: 20px;
+    margin-bottom: 20px;
+    overflow: hidden;
+  }
+  .chart-wrap h3 {
+    font-size: 0.85rem;
+    font-weight: 600;
+    color: var(--text-dim);
+    text-transform: uppercase;
+    letter-spacing: 0.5px;
+    margin-bottom: 16px;
+  }
+  #chartContainer {
+    width: 100%;
+    height: 320px;
+    position: relative;
+  }
+  #profitChart {
+    width: 100%;
+    height: 100%;
+  }
+
+  /* Tables */
   .table-wrap {
     background: var(--card);
     border: 1px solid var(--border);
     border-radius: var(--radius);
     overflow: hidden;
-    margin-bottom: 20px;
+    margin-bottom: 18px;
   }
   .table-wrap .table-title {
-    padding: 16px 20px 0;
-    font-size: 0.85rem;
+    padding: 14px 18px 0;
+    font-size: 0.82rem;
     font-weight: 600;
     color: var(--text-dim);
     text-transform: uppercase;
@@ -206,12 +225,12 @@
   table {
     width: 100%;
     border-collapse: collapse;
-    font-size: 0.88rem;
+    font-size: 0.84rem;
   }
   thead th {
     text-align: left;
-    padding: 14px 20px;
-    font-size: 0.72rem;
+    padding: 12px 18px;
+    font-size: 0.7rem;
     text-transform: uppercase;
     letter-spacing: 0.5px;
     color: var(--text-dim);
@@ -220,90 +239,56 @@
     background: rgba(255,255,255,0.02);
   }
   tbody td {
-    padding: 12px 20px;
+    padding: 10px 18px;
     border-bottom: 1px solid rgba(42,46,69,0.5);
   }
   tbody tr:last-child td { border-bottom: none; }
   tbody tr:hover { background: var(--card-hover); }
-  tbody tr.highlight td {
-    background: var(--green-dim);
-    font-weight: 600;
-  }
-  tbody tr.endgame td {
-    background: rgba(108,92,231,0.12);
-    font-weight: 600;
-  }
+  tbody tr.highlight td { background: var(--green-dim); font-weight: 600; }
+  tbody tr.endgame td { background: rgba(108,92,231,0.12); font-weight: 600; }
   .num { text-align: right; font-variant-numeric: tabular-nums; }
   .green-text { color: var(--green); }
   .accent-text { color: var(--accent); }
-  .yellow-text { color: var(--yellow); }
 
-  /* Info box */
-  .info-box {
-    background: var(--card);
-    border: 1px solid var(--border);
-    border-radius: var(--radius);
-    padding: 20px;
-    margin-bottom: 20px;
-  }
-  .info-box h3 {
-    font-size: 0.9rem;
-    margin-bottom: 10px;
-    color: var(--accent);
-  }
-  .info-box ul {
-    list-style: none;
-    padding: 0;
-  }
-  .info-box li {
-    padding: 6px 0;
-    font-size: 0.88rem;
-    color: var(--text-dim);
-  }
-  .info-box li::before {
-    content: "→ ";
-    color: var(--accent);
-  }
-
-  /* Legend */
   .legend {
     display: flex;
-    gap: 20px;
-    padding: 0 20px 16px;
+    gap: 16px;
+    padding: 0 18px 12px;
     flex-wrap: wrap;
   }
   .legend-item {
     display: flex;
     align-items: center;
-    gap: 8px;
-    font-size: 0.78rem;
+    gap: 6px;
+    font-size: 0.75rem;
     color: var(--text-dim);
   }
   .legend-dot {
     width: 10px;
     height: 10px;
     border-radius: 3px;
+    flex-shrink: 0;
   }
-  .legend-dot.green { background: var(--green-dim); border: 1px solid var(--green); }
-  .legend-dot.accent { background: rgba(108,92,231,0.2); border: 1px solid var(--accent); }
+  .legend-dot.green { background: var(--green); }
+  .legend-dot.accent { background: var(--accent); }
+  .legend-dot.yellow { background: var(--yellow); }
+  .legend-dot.orange { background: var(--orange); }
+
+  /* Comparison table styling */
+  .scenario-row { cursor: pointer; transition: background 0.15s; }
+  .scenario-row:hover { background: var(--card-hover) !important; }
+  .scenario-row.active-row { background: rgba(108,92,231,0.15) !important; }
 
-  /* Mobile tweaks */
   @media (max-width: 640px) {
-    body { padding: 12px; }
-    .header h1 { font-size: 1.5rem; }
-    .controls { grid-template-columns: 1fr; gap: 12px; padding: 16px; }
+    body { padding: 10px; }
+    .header h1 { font-size: 1.4rem; }
+    .controls { grid-template-columns: 1fr 1fr; gap: 10px; padding: 14px; }
     .summary-grid { grid-template-columns: repeat(2, 1fr); }
-    .summary-card .value { font-size: 1.2rem; }
-    .tab-btn { font-size: 0.78rem; padding: 8px 12px; }
-    table { font-size: 0.78rem; }
-    thead th, tbody td { padding: 10px 12px; }
-  }
-
-  /* Tooltip help */
-  .help {
-    font-size: 0.72rem;
-    color: var(--text-muted);
-    cursor: help;
+    .summary-card .value { font-size: 1.15rem; }
+    .tab-btn { font-size: 0.75rem; padding: 7px 10px; }
+    table { font-size: 0.74rem; }
+    thead th, tbody td { padding: 8px 10px; }
+    #chartContainer { height: 240px; }
   }
 </style>
 </head>
@@ -312,7 +297,7 @@
 
 <div class="header">
   <h1>CBP What-If Calculator</h1>
-  <p>Model referral earnings, timelines, and ROI for any gifting or self-funding scenario</p>
+  <p>Full ladder modeling — profit timeline, referral earnings, and scenario comparison</p>
 </div>
 
 <!-- Controls -->
@@ -322,418 +307,662 @@
     <input type="number" id="numPeople" value="1" min="1" max="100">
   </div>
   <div class="control-group">
-    <label>Referral commission</label>
-    <div class="control-row">
-      <input type="number" id="commissionPct" value="10" min="0" max="100" step="0.5" style="width:80px">
-      <span style="padding-top:10px;color:var(--text-dim)">%</span>
-    </div>
+    <label>Your referral commission</label>
+    <input type="number" id="commissionPct" value="10" min="0" max="100" step="0.5">
   </div>
   <div class="control-group">
-    <label>Gift / invest up to which level?</label>
+    <label>You gift up to level</label>
     <select id="giftLevel">
-      <option value="0">None (self-funded)</option>
-      <option value="1" selected>Level 1 only ($14)</option>
-      <option value="3">Levels 1-3 ($263)</option>
-      <option value="4">Levels 1-4 ($593)</option>
-      <option value="5">Levels 1-5 ($1,253)</option>
+      <option value="0">None (no gift)</option>
+      <option value="1">Level 1 ($14)</option>
+      <option value="2">Level 2 ($98)</option>
+      <option value="3" selected>Level 3 ($263)</option>
+      <option value="4">Level 4 ($593)</option>
+      <option value="5">Level 5 ($1,253)</option>
     </select>
   </div>
-  <div class="control-group" style="grid-column: span 1;">
-    <label>Self-funds through level</label>
+  <div class="control-group">
+    <label>They self-fund through level</label>
     <select id="selfFundLevel">
+      <option value="0">None (gift only)</option>
+      <option value="1">Level 1 ($14)</option>
+      <option value="2">Level 2 ($98)</option>
+      <option value="3">Level 3 ($263)</option>
       <option value="4" selected>Level 4 ($593)</option>
       <option value="5">Level 5 ($1,253)</option>
-      <option value="0">None (gift only)</option>
     </select>
   </div>
+  <div class="checkbox-group">
+    <input type="checkbox" id="showReferral" checked>
+    <label for="showReferral">Show referral earnings (my 10%)</label>
+  </div>
 </div>
 
 <!-- Tabs -->
 <div class="tabs">
   <button class="tab-btn active" data-tab="overview">📊 Overview</button>
-  <button class="tab-btn" data-tab="timeline">📅 Timeline</button>
-  <button class="tab-btn" data-tab="comparison">⚖️ Compare Scenarios</button>
+  <button class="tab-btn" data-tab="timeline">📈 Profit Timeline</button>
+  <button class="tab-btn" data-tab="ladder">🪜 Full Ladder</button>
+  <button class="tab-btn" data-tab="comparison">⚖️ Compare</button>
 </div>
 
 <!-- Tab: Overview -->
 <div class="results active" id="tab-overview">
-  <div class="summary-grid" id="summaryCards">
-    <div class="summary-card">
-      <div class="label">Your Cost</div>
-      <div class="value accent" id="yourCost">$0</div>
-    </div>
-    <div class="summary-card">
-      <div class="label">Their Cost</div>
-      <div class="value" id="theirCost" style="color:var(--yellow)">$593</div>
-    </div>
-    <div class="summary-card">
-      <div class="label">Time to 3× L7</div>
-      <div class="value" id="timeToEndgame" style="font-size:1.3rem">~11 months</div>
-    </div>
-    <div class="summary-card">
-      <div class="label">Year 1 Referral Earnings</div>
-      <div class="value green" id="year1Earnings">$0</div>
-    </div>
-    <div class="summary-card">
-      <div class="label">Your ROI on Gift</div>
-      <div class="value green" id="roiTime">N/A</div>
-      <div class="sub">(no gift cost)</div>
-    </div>
-    <div class="summary-card">
-      <div class="label">Monthly Passive (3× L7)</div>
-      <div class="value green" id="monthlyPassive">$0</div>
-      <div class="sub">per person</div>
+  <div class="summary-grid" id="summaryCards"></div>
+
+  <div class="chart-wrap">
+    <h3>📈 Cumulative Profit Over Time</h3>
+    <div id="chartContainer">
+      <canvas id="profitChart"></canvas>
     </div>
   </div>
 
-  <div class="info-box" id="phaseBox">
-    <h3>📍 Journey Overview</h3>
-    <ul id="journeySteps">
-      <li>Loading scenario...</li>
-    </ul>
-  </div>
-</div>
-
-<!-- Tab: Timeline -->
-<div class="results" id="tab-timeline">
-  <div class="table-wrap">
-    <div class="table-title">📅 Phase-by-Phase Earnings (per person)</div>
+  <div class="table-wrap" id="overviewPhaseWrap">
+    <div class="table-title">📍 Phase-by-Phase Journey</div>
     <div class="legend">
-      <div class="legend-item"><div class="legend-dot green"></div> ROI achieved here</div>
-      <div class="legend-item"><div class="legend-dot accent"></div> Endgame — 3× L7s</div>
+      <div class="legend-item"><div class="legend-dot green"></div> ROI achieved</div>
+      <div class="legend-item"><div class="legend-dot accent"></div> Endgame (3× L7)</div>
     </div>
     <table>
       <thead>
         <tr>
           <th>Phase</th>
-          <th>Cycles</th>
+          <th class="num">Cycles</th>
           <th>Timeline</th>
-          <th class="num">Their Payout / Cycle</th>
-          <th class="num">Your 10% / Cycle</th>
+          <th class="num">Their Payout/Cycle</th>
+          <th class="num referral-col">Your Cut/Cycle</th>
           <th class="num">Cumulative to You</th>
         </tr>
       </thead>
-      <tbody id="timelineBody">
-      </tbody>
+      <tbody id="overviewBody"></tbody>
     </table>
   </div>
 </div>
 
-<!-- Tab: Comparison -->
+<!-- Tab: Profit Timeline -->
+<div class="results" id="tab-timeline">
+  <div class="chart-wrap">
+    <h3>📈 Monthly Profit Progression</h3>
+    <div id="chartContainer2">
+      <canvas id="timelineChart"></canvas>
+    </div>
+  </div>
+
+  <div class="table-wrap">
+    <div class="table-title">📅 Month-by-Month Breakdown</div>
+    <table>
+      <thead>
+        <tr>
+          <th>Month</th>
+          <th>Active Phase</th>
+          <th class="num">Their Profit This Month</th>
+          <th class="num referral-col">Your Commission This Month</th>
+          <th class="num">Your Cumulative</th>
+        </tr>
+      </thead>
+      <tbody id="timelineBody"></tbody>
+    </table>
+  </div>
+</div>
+
+<!-- Tab: Full Ladder -->
+<div class="results" id="tab-ladder">
+  <div class="table-wrap">
+    <div class="table-title">🪜 Complete Ladder — All Levels</div>
+    <table>
+      <thead>
+        <tr>
+          <th>Level</th>
+          <th>Activation Fee</th>
+          <th class="num">Campaign Cost</th>
+          <th class="num">Total Prerequisite</th>
+          <th class="num">Payout (After 10% Fee)</th>
+          <th class="num">Net Profit/Cycle</th>
+          <th class="num">Clicks/Day</th>
+          <th class="num">CPC</th>
+        </tr>
+      </thead>
+      <tbody id="ladderBody"></tbody>
+    </table>
+  </div>
+
+  <div class="table-wrap">
+    <div class="table-title">🪜 Your Ladder Progression (based on starting position)</div>
+    <table>
+      <thead>
+        <tr>
+          <th>Step</th>
+          <th>Required Capital</th>
+          <th class="num">Investment</th>
+          <th class="num">Return</th>
+          <th class="num">Profit</th>
+          <th class="num">Cycles</th>
+          <th>Est. Time</th>
+        </tr>
+      </thead>
+      <tbody id="ladderProgressionBody"></tbody>
+    </table>
+  </div>
+</div>
+
+<!-- Tab: Compare -->
 <div class="results" id="tab-comparison">
   <div class="table-wrap">
-    <div class="table-title">⚖️ Scenario Comparison (per person)</div>
+    <div class="table-title">⚖️ All Scenarios Side by Side (per person)</div>
     <table>
       <thead>
         <tr>
           <th>Scenario</th>
-          <th>Their Upfront Cost</th>
-          <th>Your Cost</th>
+          <th class="num">Their Upfront</th>
+          <th class="num">Your Cost</th>
           <th class="num">Time to 3× L7</th>
           <th class="num">Year 1 Earnings</th>
           <th class="num">Total to Endgame</th>
-          <th class="num">Monthly Passive</th>
+          <th class="num">Monthly at 3× L7</th>
         </tr>
       </thead>
-      <tbody id="comparisonBody">
-      </tbody>
+      <tbody id="comparisonBody"></tbody>
     </table>
   </div>
+
+  <div class="chart-wrap">
+    <h3>⚖️ Scenario Comparison — Year 1 Earnings by Start</h3>
+    <div id="chartContainer3">
+      <canvas id="compareChart"></canvas>
+    </div>
+  </div>
 </div>
 
-<div style="text-align:center;padding:30px 0 10px;color:var(--text-muted);font-size:0.78rem;">
-  Built for CBP wargaming • All figures in USDT • 10% withdrawal fee already factored into payouts
+<div style="text-align:center;padding:24px 0 10px;color:var(--text-muted);font-size:0.75rem;">
+  Built for CBP wargaming • All figures in USDT • 10% withdrawal fee already factored into payouts • <br>
+  Referral link: https://clickbaitpays.me/?ref=cryptoteambuild
 </div>
 
-</div><!-- /container -->
+</div>
 
+<script src="https://cdn.jsdelivr.net/npm/chart.js@4"></script>
 <script>
-// ─── CORE DATA ───────────────────────────────────────────────
+// ══════════════════════════════════════════════════════════════════════
+// CORE DATA
+// ══════════════════════════════════════════════════════════════════════
 const LEVELS = [
-  { level: 1, act: 1,   camp: 13,   total: 14,   payout: 17.17,  clicks: 3,  cpc: 0.48 },
-  { level: 2, act: 7,   camp: 77,   total: 84,   payout: 101.74, clicks: 3,  cpc: 2.83 },
-  { level: 3, act: 15,  camp: 150,  total: 165,  payout: 194.40, clicks: 3,  cpc: 5.40 },
-  { level: 4, act: 30,  camp: 300,  total: 330,  payout: 388.80, clicks: 5,  cpc: 6.48 },
-  { level: 5, act: 60,  camp: 600,  total: 660,  payout: 777.60, clicks: 6,  cpc: 10.80 },
-  { level: 6, act: 120, camp: 1200, total: 1320, payout: 1555.20,clicks: 10, cpc: 12.96 },
-  { level: 7, act: 240, camp: 2400, total: 2640, payout: 3240.00,clicks: 20, cpc: 13.50 },
+  { level: 1, act: 1,   camp: 13,   total: 14,   payout: 17.17,  clicks: 3,  cpc: 0.48,  netProfit: 4.17 },
+  { level: 2, act: 7,   camp: 77,   total: 84,   payout: 101.74, clicks: 3,  cpc: 2.83,  netProfit: 24.74 },
+  { level: 3, act: 15,  camp: 150,  total: 165,  payout: 194.40, clicks: 3,  cpc: 5.40,  netProfit: 44.40 },
+  { level: 4, act: 30,  camp: 300,  total: 330,  payout: 388.80, clicks: 5,  cpc: 6.48,  netProfit: 88.80 },
+  { level: 5, act: 60,  camp: 600,  total: 660,  payout: 777.60, clicks: 6,  cpc: 10.80, netProfit: 177.60 },
+  { level: 6, act: 120, camp: 1200, total: 1320, payout: 1555.20,clicks: 10, cpc: 12.96, netProfit: 355.20 },
+  { level: 7, act: 240, camp: 2400, total: 2640, payout: 3240.00,clicks: 20, cpc: 13.50, netProfit: 840.00 },
 ];
 
-const THREE_L7_PER_CYCLE = 9720; // payout
-const THREE_L7_YOUR_CUT  = 972;  // 10%
-const THREE_L7_MONTHLY   = 1860; // ~per person
+const HYBRIDS = {
+  'L1-only': { label: 'L1 Only',     reinvest: 13,   payout: 17.17,  profit: 4.17,  cycles: 9,  months: 3.0,  daysPer: 19 },
+  'L2+L1':   { label: 'L2 + L1',     reinvest: 90,   payout: 118.91, profit: 28.91, cycles: 4,  months: 2.5,  daysPer: 19 },
+  'L3+L1':   { label: 'L3 + L1',     reinvest: 163,  payout: 211.57, profit: 48.57, cycles: 4,  months: 2.5,  daysPer: 19 },
+  'L4+L3':   { label: 'L4 + L3',     reinvest: 450,  payout: 583.20, profit: 133.20,cycles: 5,  months: 3.0,  daysPer: 19 },
+  'L5+L4':   { label: 'L5 + L4',     reinvest: 900,  payout: 1166.40,profit: 266.40,cycles: 4,  months: 2.0,  daysPer: 19 },
+  'L6':      { label: 'L6',          reinvest: 1200, payout: 1555.20,profit: 355.20,cycles: 4,  months: 2.0,  daysPer: 19 },
+  'L7':      { label: 'Single L7',   reinvest: 2400, payout: 3240.00,profit: 840.00,cycles: 7,  months: 3.0,  daysPer: 19 },
+  '3xL7':    { label: '3× L7 Endgame', reinvest: 7200, payout: 9720, profit: 2520, cycles: 1, months: 0.63, daysPer: 19 },
+};
 
+// Ladder to endgame taken from the skill
+const LADDER_STEPS = [
+  { step: 'L4 Funded',    capital: 300,  invest: 300,  ret: 388.80, profit: 88.80, cycles: 5,  months: 3.0 },
+  { step: 'L5 Ready',     capital: 660,  invest: 660,  ret: 777.60, profit: 177.60,cycles: 5,  months: 3.0 },
+  { step: 'L6 Ready',     capital: 1320, invest: 1320, ret: 1555.20,profit: 355.20,cycles: 4,  months: 2.0 },
+  { step: 'L7 Ready',     capital: 2640, invest: 2640, ret: 3240.00,profit: 840.00,cycles: 7,  months: 3.0 },
+  { step: '3× L7 Endgame',capital: 7200, invest: 7200, ret: 9720,   profit: 2520,  cycles: 0,  months: 0 },
+];
+
+const THREE_L7_YOUR_CUT = 972;  // 10% of 9720
+
+// ══════════════════════════════════════════════════════════════════════
+// SCENARIO DATA (from skill + calculations)
+// ══════════════════════════════════════════════════════════════════════
 const SCENARIOS = [
-  { id: 'gift1',     label: 'L1 Gift ($14)',        yourCost: 14,  theirCost: 14,  time: 19, yr1: 430,  totalEG: 3711, monthly: 1860 },
-  { id: 'gift3',     label: 'L1-L3 Gift ($263)',    yourCost: 263, theirCost: 263, time: 14, yr1: 415,  totalEG: 3686, monthly: 1860 },
-  { id: 'self4',     label: 'Self-funded L4 ($593)', yourCost: 0,   theirCost: 593, time: 11, yr1: 1373, totalEG: 3641, monthly: 1860 },
-  { id: 'self5',     label: 'Self-funded L5 ($1,253)',yourCost:0,  theirCost:1253, time: 7,  yr1: 1680, totalEG: 3357, monthly: 1860 },
+  { id: 'gift1',   label: 'L1 Gift ($14)',         yourCost: 14, time: 19, yr1: 430,  totalEG: 3711, monthly: 1860 },
+  { id: 'gift2',   label: 'L1-L2 Gift ($98)',      yourCost: 98, time: 16, yr1: 460,  totalEG: 3700, monthly: 1860 },
+  { id: 'gift3',   label: 'L1-L3 Gift ($263)',     yourCost: 263,time: 14, yr1: 415,  totalEG: 3686, monthly: 1860 },
+  { id: 'gift4',   label: 'L1-L4 Gift ($593)',     yourCost: 593,time: 11, yr1: 1373, totalEG: 3641, monthly: 1860 },
+  { id: 'gift5',   label: 'L1-L5 Gift ($1,253)',   yourCost:1253,time: 7,  yr1: 1680, totalEG: 3357, monthly: 1860 },
+  { id: 'self1',   label: 'Self L1 ($14)',          yourCost: 14, time: 19, yr1: 430,  totalEG: 3711, monthly: 1860 },
+  { id: 'self2',   label: 'Self L2 ($98)',          yourCost: 0,  time: 16, yr1: 550,  totalEG: 3700, monthly: 1860 },
+  { id: 'self3',   label: 'Self L3 ($263)',         yourCost: 0,  time: 14, yr1: 530,  totalEG: 3686, monthly: 1860 },
+  { id: 'self4',   label: 'Self L4 ($593)',         yourCost: 0,  time: 11, yr1: 1373, totalEG: 3641, monthly: 1860 },
+  { id: 'self5',   label: 'Self L5 ($1,253)',       yourCost: 0,  time: 7,  yr1: 1680, totalEG: 3357, monthly: 1860 },
 ];
 
-// ─── PHASE GENERATORS ────────────────────────────────────────
-
-function getGiftCost(giftLevel) {
-  if (giftLevel === 0) return 0;
-  return LEVELS.slice(0, giftLevel).reduce((s, l) => s + l.total, 0);
+// ══════════════════════════════════════════════════════════════════════
+// HELPERS
+// ══════════════════════════════════════════════════════════════════════
+function getLevelCost(upTo) {
+  if (upTo <= 0) return 0;
+  return LEVELS.slice(0, upTo).reduce((s, l) => s + l.total, 0);
 }
 
-function getSelfFundCost(selfLevel) {
-  if (selfLevel === 0) return 0;
-  return LEVELS.slice(0, selfLevel).reduce((s, l) => s + l.total, 0);
+function getEffectiveStart(gift, selfF) {
+  return Math.max(gift, selfF);
 }
 
-// Generate phases based on starting position
-function generatePhases(giftUpTo, selfFundUpTo, commissionPct) {
-  const phases = [];
-  let cum = 0;
-  let roiFound = false;
-  const giftCost = getGiftCost(giftUpTo);
-  const selfCost = getSelfFundCost(selfFundUpTo);
-  const effectiveStart = Math.max(giftUpTo, selfFundUpTo);
+function getPhaseSequence(effectiveStart) {
+  // Returns ordered list of phase keys
+  if (effectiveStart >= 5) return ['L5+L4','L6','L7','3xL7'];
+  if (effectiveStart >= 4) return ['L4+L3','L5+L4','L6','L7','3xL7'];
+  if (effectiveStart >= 3) return ['L3+L1','L4+L3','L5+L4','L6','L7','3xL7'];
+  if (effectiveStart >= 2) return ['L2+L1','L3+L1','L4+L3','L5+L4','L6','L7','3xL7'];
+  return ['L1-only','L2+L1','L3+L1','L4+L3','L5+L4','L6','L7','3xL7'];
+}
 
-  // If starting at or past a level, show initial payout phase
-  if (effectiveStart >= 4) {
-    // L4+L3 hybrid
-    addPhase(phases, 'L4 + L3 Hybrid', 5, '~3 months', 583.20, commissionPct);
-    addPhase(phases, 'L5',              5, '~3 months', 777.60, commissionPct);
-    addPhase(phases, 'L6',              4, '~2 months', 1555.20, commissionPct);
-    addPhase(phases, 'Single L7',       7, '~3 months', 3240.00, commissionPct);
-  } else if (effectiveStart >= 3) {
-    addPhase(phases, 'L3 + L1 Hybrid', 4, '~2.5 months', 211.57, commissionPct);
-    addPhase(phases, 'L4 + L3 Hybrid', 5, '~3 months', 583.20, commissionPct);
-    addPhase(phases, 'L5',             5, '~3 months', 777.60, commissionPct);
-    addPhase(phases, 'L6',             4, '~2 months', 1555.20, commissionPct);
-    addPhase(phases, 'Single L7',      7, '~3 months', 3240.00, commissionPct);
-  } else if (effectiveStart >= 2) {
-    addPhase(phases, 'L2 + L1 Hybrid', 4, '~2.5 months', 118.91, commissionPct);
-    addPhase(phases, 'L3 + L1 Hybrid', 4, '~2.5 months', 211.57, commissionPct);
-    addPhase(phases, 'L4 + L3 Hybrid', 5, '~3 months', 583.20, commissionPct);
-    addPhase(phases, 'L5',             5, '~3 months', 777.60, commissionPct);
-    addPhase(phases, 'L6',             4, '~2 months', 1555.20, commissionPct);
-    addPhase(phases, 'Single L7',      7, '~3 months', 3240.00, commissionPct);
-  } else {
-    // Start from L1 only
-    addPhase(phases, 'L1 Only',        9, '~3 months', 17.17, commissionPct);
-    addPhase(phases, 'L2 + L1 Hybrid', 4, '~2.5 months', 118.91, commissionPct);
-    addPhase(phases, 'L3 + L1 Hybrid', 4, '~2.5 months', 211.57, commissionPct);
-    addPhase(phases, 'L4 + L3 Hybrid', 5, '~3 months', 583.20, commissionPct);
-    addPhase(phases, 'L5',             5, '~3 months', 777.60, commissionPct);
-    addPhase(phases, 'L6',             4, '~2 months', 1555.20, commissionPct);
-    addPhase(phases, 'Single L7',      7, '~3 months', 3240.00, commissionPct);
+function estimateMonths(phases) {
+  let total = 0;
+  for (const k of phases) {
+    if (k === '3xL7') break;
+    total += HYBRIDS[k].months;
   }
-
-  // Endgame
-  const totalCum = phases.reduce((s, p) => s + p.cum, 0);
-  phases.push({
-    label: '🏁 3× L7 Endgame (ongoing)',
-    cycles: 'every 19 days',
-    timeline: 'forever',
-    payout: THREE_L7_PER_CYCLE,
-    yourCut: THREE_L7_YOUR_CUT * (commissionPct / 10),
-    cum: totalCum,
-    isEndgame: true
-  });
-
-  return phases;
+  return Math.round(total * 10) / 10;
 }
 
-function addPhase(arr, label, cycles, timeline, payoutPerCycle, commPct) {
-  const yourCut = payoutPerCycle * (commPct / 100);
-  const prevCum = arr.length > 0 ? arr[arr.length - 1].cum : 0;
-  const phaseCum = prevCum + yourCut * cycles;
-  // Determine if this is a multiple-cycle phase or a fixed one
-  arr.push({
-    label,
-    cycles: typeof cycles === 'number' ? cycles + '×' : cycles,
-    timeline,
-    payout: payoutPerCycle,
-    yourCut,
-    cum: phaseCum
-  });
+function estimateYear1Cum(phases, commPct, giftLevel) {
+  let cum = 0;
+  let months = 0;
+  for (const k of phases) {
+    if (k === '3xL7') break;
+    const p = HYBRIDS[k];
+    const yourCut = p.payout * (commPct / 100);
+    const cycInMonth = p.months / (p.daysPer / 30.4);
+    const cyclesInYear1 = Math.min(p.cycles, Math.max(0, (12 - months) / (p.months / p.cycles)));
+    const actual = Math.floor(cyclesInYear1);
+    for (let i = 0; i < actual; i++) cum += yourCut;
+    months += p.months;
+    if (months >= 12) break;
+  }
+  return Math.round(cum);
 }
 
-// ─── UI UPDATE ───────────────────────────────────────────────
+// ══════════════════════════════════════════════════════════════════════
+// BUILD MONTHLY TIMELINE DATA
+// ══════════════════════════════════════════════════════════════════════
+function buildMonthlyTimeline(phases, commPct) {
+  const months = [];
+  let cumProf = 0, cumComm = 0;
+  let m = 0;
+  for (const k of phases) {
+    if (k === '3xL7') {
+      // Endgame: show a few months of ongoing
+      for (let i = 0; i < 6; i++) {
+        m++;
+        const p = HYBRIDS[k];
+        const yourCut = p.payout * (commPct / 100);
+        cumProf += p.profit;
+        cumComm += yourCut;
+        months.push({ m, phase: p.label, prof: Math.round(p.profit), comm: Math.round(yourCut), cumComm: Math.round(cumComm) });
+      }
+      break;
+    }
+    const p = HYBRIDS[k];
+    const yourCut = p.payout * (commPct / 100);
+    const cyclesThisPhase = p.cycles;
+    for (let c = 0; c < cyclesThisPhase; c++) {
+      m++;
+      cumProf += p.profit;
+      cumComm += yourCut;
+      months.push({ m, phase: c === 0 ? p.label : '', prof: Math.round(p.profit), comm: Math.round(yourCut), cumComm: Math.round(cumComm) });
+    }
+    if (m >= 30) break; // safety
+  }
+  return months;
+}
+
+// ══════════════════════════════════════════════════════════════════════
+// UI UPDATE
+// ══════════════════════════════════════════════════════════════════════
+let chart1 = null, chart2 = null, chart3 = null;
 
 function updateAll() {
   const numPeople = parseInt(document.getElementById('numPeople').value) || 1;
   const commPct   = parseFloat(document.getElementById('commissionPct').value) || 10;
   const giftLevel = parseInt(document.getElementById('giftLevel').value);
   const selfLevel = parseInt(document.getElementById('selfFundLevel').value);
+  const showRef   = document.getElementById('showReferral').checked;
 
-  const giftCost   = getGiftCost(giftLevel);
-  const selfCost   = getSelfFundCost(selfLevel);
-  const totalCost  = giftCost + selfCost;
-  const effective  = Math.max(giftLevel, selfLevel);
+  const mult = commPct / 10;
+  const giftCost = getLevelCost(giftLevel);
+  const selfCost = getLevelCost(selfLevel);
+  const effective = getEffectiveStart(giftLevel, selfLevel);
+  const phases = getPhaseSequence(effective);
+  const totalMonths = estimateMonths(phases);
 
-  // Determine scenario label
-  let scenarioLabel = '';
-  let timeToEndgame = '';
-  let yr1Estimate = 0;
-  let totalToEG = 0;
+  // Referral column visibility
+  document.querySelectorAll('.referral-col').forEach(el => {
+    el.style.display = showRef ? '' : 'none';
+  });
 
-  if (giftLevel > 0 && selfLevel > 0) {
-    if (giftLevel >= selfLevel) {
-      scenarioLabel = `Gifted L1-L${giftLevel}`;
-    } else {
-      scenarioLabel = `Gifted L1-L${giftLevel} + self-funded L1-L${selfLevel}`;
-    }
-  } else if (giftLevel > 0) {
-    scenarioLabel = `Gifted L1-L${giftLevel}`;
-  } else if (selfLevel > 0) {
-    scenarioLabel = `Self-funded L1-L${selfLevel}`;
-  } else {
-    scenarioLabel = 'L1 Gift only ($14)';
+  // ─── Overview Summary Cards ──────────────────────────
+  const yr1Cum = estimateYear1Cum(phases, commPct, giftLevel) * numPeople;
+  const yr1PerPerson = estimateYear1Cum(phases, commPct, giftLevel);
+  const totalEG = Math.round(phases.filter(k => k !== '3xL7')
+    .reduce((s, k) => s + HYBRIDS[k].payout * (commPct / 100) * HYBRIDS[k].cycles, 0) * 10) / 10;
+  const monthlyPassive = Math.round(THREE_L7_YOUR_CUT * mult * numPeople);
+
+  // Est total to 3× L7 per person
+  let totalToEGPerPerson = 0;
+  for (const k of phases) {
+    if (k === '3xL7') break;
+    totalToEGPerPerson += HYBRIDS[k].payout * (commPct / 100) * HYBRIDS[k].cycles;
   }
-
-  // Time estimates
-  const timeMap = { 0: 19, 1: 19, 2: 16, 3: 14, 4: 11, 5: 7 };
-  timeToEndgame = timeMap[effective] || 11;
-
-  // Year 1 estimate based on effective start
-  const yr1Map = { 0: 430, 1: 430, 2: 480, 3: 415, 4: 1373, 5: 1680 };
-  yr1Estimate = yr1Map[effective] || 0;
-
-  // Total to endgame estimate
-  const egMap = { 0: 3711, 1: 3711, 2: 3700, 3: 3686, 4: 3641, 5: 3357 };
-  totalToEG = egMap[effective] || 0;
-
-  // Adjust for commission
-  const multiplier = commPct / 10;
-  const adjYr1   = yr1Estimate * multiplier;
-  const adjTotalEG = totalToEG * multiplier;
-  const adjMonthly = THREE_L7_MONTHLY * multiplier;
-  const adjPerCycle = THREE_L7_YOUR_CUT * multiplier;
+  totalToEGPerPerson = Math.round(totalToEGPerPerson * 100) / 100;
 
   // ROI
-  let roiText = 'N/A';
-  let roiSub = '';
+  let roiText = 'N/A', roiSub = '';
   if (giftCost > 0) {
-    // Estimate when ROI hits based on phases
-    const phases = generatePhases(giftLevel, selfLevel, commPct);
     let cumCheck = 0;
-    let roiPhase = '';
-    for (const p of phases) {
-      if (p.isEndgame) break;
-      const cycles = typeof p.cycles === 'string' && p.cycles.includes('×')
-        ? parseInt(p.cycles) : 0;
-      for (let i = 0; i < (cycles || 1); i++) {
-        cumCheck += p.yourCut;
+    for (const k of phases) {
+      if (k === '3xL7') break;
+      const p = HYBRIDS[k];
+      const yourCut = p.payout * (commPct / 100);
+      for (let i = 0; i < p.cycles; i++) {
+        cumCheck += yourCut;
         if (cumCheck >= giftCost) {
-          roiPhase = p.label;
+          const monthsTo = (phases.indexOf(k) * (p.daysPer / 30.4)) + (i + 1) * (p.daysPer / 30.4);
+          roiText = `~${Math.round(monthsTo * 10) / 10} months`;
+          roiSub = `during ${p.label}`;
           break;
         }
       }
-      if (roiPhase) break;
-    }
-    if (roiPhase) {
-      roiText = `~${Math.ceil(giftCost / (cumCheck || 1) * 4)} months`;
-      roiSub = `during ${roiPhase}`;
-    } else {
-      roiText = '~5.5 months';
+      if (roiSub) break;
     }
+    if (!roiSub) roiText = '~5.5 months';
   }
 
-  // ─── Overview tab ──────────────────────────────────────
-  document.getElementById('yourCost').textContent = '$' + giftCost.toLocaleString();
-  document.getElementById('theirCost').textContent = '$' + selfCost.toLocaleString();
-  document.getElementById('timeToEndgame').textContent = '~' + timeToEndgame + ' months';
-  document.getElementById('year1Earnings').textContent = '$' + (adjYr1 * numPeople).toLocaleString();
-  document.getElementById('roiTime').textContent = roiText;
-  document.getElementById('monthlyPassive').textContent = '$' + (adjMonthly * numPeople).toLocaleString();
+  const summaryHtml = `
+    <div class="summary-card">
+      <div class="label">Your Cost</div>
+      <div class="value accent">$${giftCost.toLocaleString()}</div>
+      <div class="sub">${numPeople > 1 ? `× ${numPeople} = $${(giftCost * numPeople).toLocaleString()}` : ''}</div>
+    </div>
+    <div class="summary-card">
+      <div class="label">Their Cost</div>
+      <div class="value yellow">$${selfCost.toLocaleString()}</div>
+      <div class="sub">per person</div>
+    </div>
+    <div class="summary-card">
+      <div class="label">Time to 3× L7</div>
+      <div class="value orange" style="font-size:1.3rem">~${totalMonths} months</div>
+    </div>
+    <div class="summary-card">
+      <div class="label">Year 1 Referral Earnings</div>
+      <div class="value green">$${yr1Cum.toLocaleString()}</div>
+      <div class="sub">${numPeople > 1 ? `$${yr1PerPerson.toLocaleString()} / person` : ''}</div>
+    </div>
+    <div class="summary-card">
+      <div class="label">ROI on Gift</div>
+      <div class="value green">${roiText}</div>
+      <div class="sub">${roiSub || (giftCost > 0 ? '' : 'no gift cost')}</div>
+    </div>
+    <div class="summary-card">
+      <div class="label">Monthly Passive (3× L7)</div>
+      <div class="value green">$${monthlyPassive.toLocaleString()}</div>
+      <div class="sub">${numPeople > 1 ? `$${Math.round(monthlyPassive / numPeople).toLocaleString()} / person` : 'per month'}</div>
+    </div>
+  `;
+  document.getElementById('summaryCards').innerHTML = summaryHtml;
 
-  // Journey steps
-  const steps = [];
-  const effectiveLabel = effective >= 5 ? 'L5' : effective >= 4 ? 'L4' : effective >= 3 ? 'L3' : effective >= 2 ? 'L2' : 'L1';
-  steps.push(`🚀 Starts at ${effectiveLabel} (gift cost: $${giftCost}, their cost: $${selfCost})`);
-  if (giftCost > 0) {
-    steps.push(`💰 Your ROI on the $${giftCost} gift: ${roiText} ${roiSub ? '(' + roiSub + ')' : ''}`);
-  }
-  steps.push(`📈 Year 1 referral earnings: $${(adjYr1 * numPeople).toLocaleString()} (${numPeople} people × $${adjYr1.toLocaleString()})`);
-  steps.push(`🏁 3× L7 endgame in ~${timeToEndgame} months`);
-  steps.push(`♻️ Ongoing: $${(adjPerCycle * numPeople).toLocaleString()} every 19 days = ~$${(adjMonthly * numPeople).toLocaleString()}/month`);
-  steps.push(`💵 Total earned per person to endgame: ~$${adjTotalEG.toLocaleString()}`);
-
-  document.getElementById('journeySteps').innerHTML = steps.map(s => `<li>${s}</li>`).join('');
-
-  // ─── Timeline tab ──────────────────────────────────────
-  const phases = generatePhases(giftLevel, selfLevel, commPct);
-  const tbody = document.getElementById('timelineBody');
-  let rows = '';
+  // ─── Overview Phase Table ────────────────────────────
   let cumRunning = 0;
   let roiHit = false;
+  let rows = '';
+  for (const k of phases) {
+    const p = HYBRIDS[k];
+    const yourCut = p.payout * (commPct / 100);
+    const cyclesNum = p.cycles;
 
-  for (const p of phases) {
-    cumRunning += p.yourCut * (typeof p.cycles === 'string' && p.cycles.includes('×') ? parseInt(p.cycles) : 1);
-    const isRoi = !roiHit && giftCost > 0 && cumRunning >= giftCost;
-    if (isRoi) roiHit = true;
+    if (!roiHit && giftCost > 0) {
+      for (let i = 0; i < cyclesNum; i++) cumRunning += yourCut;
+      if (cumRunning >= giftCost) roiHit = true;
+    }
 
-    let cls = '';
-    if (p.isEndgame) cls = 'endgame';
-    else if (isRoi) cls = 'highlight';
-
-    const cycleCount = typeof p.cycles === 'string' && p.cycles.includes('×')
-      ? parseInt(p.cycles) : 0;
-    const cumulative = p.isEndgame ? p.cum : p.cum;
+    const isRoi = giftCost > 0 && !roiHit ? true : false;
+    const cls = k === '3xL7' ? 'endgame' : (isRoi && roiHit ? 'highlight' : '');
 
     rows += `<tr class="${cls}">
       <td>${p.label}</td>
-      <td>${p.cycles}</td>
-      <td>${p.timeline}</td>
+      <td class="num">${k === '3xL7' ? 'every 19d' : `${cyclesNum}×`}</td>
+      <td>${k === '3xL7' ? 'ongoing' : `~${p.months} months`}</td>
       <td class="num">$${p.payout.toFixed(2)}</td>
-      <td class="num ${p.isEndgame ? 'accent-text' : 'green-text'}">$${p.yourCut.toFixed(2)}</td>
-      <td class="num">$${cumulative.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}</td>
+      <td class="num green-text">$${yourCut.toFixed(2)}</td>
+      <td class="num">$${cumRunning.toFixed(2)}</td>
     </tr>`;
   }
-  tbody.innerHTML = rows;
+  document.getElementById('overviewBody').innerHTML = rows;
 
-  // ─── Comparison tab ────────────────────────────────────
-  const cb = document.getElementById('comparisonBody');
-  let compRows = '';
-  for (const s of SCENARIOS) {
-    const adj = commPct / 10;
-    compRows += `<tr>
-      <td>${s.label}</td>
-      <td>$${s.theirCost.toLocaleString()}</td>
-      <td>$${s.yourCost.toLocaleString()}</td>
-      <td class="num">~${s.time} months</td>
-      <td class="num">$${(s.yr1 * adj * numPeople).toLocaleString()}</td>
-      <td class="num">$${(s.totalEG * adj * numPeople).toLocaleString()}</td>
-      <td class="num">$${(s.monthly * adj * numPeople).toLocaleString()}/mo</td>
+  // ─── Profit Chart ─────────────────────────────────────
+  const chartData = [];
+  let chartCum = 0;
+  let chartMonth = 0;
+  for (const k of phases) {
+    const p = HYBRIDS[k];
+    const yourCut = p.payout * (commPct / 100);
+    const cycles = k === '3xL7' ? 6 : p.cycles;
+    for (let i = 0; i < cycles; i++) {
+      chartMonth++;
+      chartCum += yourCut;
+      chartData.push({ m: chartMonth, cum: Math.round(chartCum * 100) / 100 });
+    }
+    if (k === '3xL7') break;
+  }
+
+  const chartLabels = chartData.map(d => `M${d.m}`);
+  const chartValues = chartData.map(d => d.cum);
+
+  // Destroy old charts
+  if (chart1) { chart1.destroy(); chart1 = null; }
+  if (chart2) { chart2.destroy(); chart2 = null; }
+  if (chart3) { chart3.destroy(); chart3 = null; }
+
+  const ctx1 = document.getElementById('profitChart').getContext('2d');
+  chart1 = new Chart(ctx1, {
+    type: 'line',
+    data: {
+      labels: chartLabels,
+      datasets: [{
+        label: `${numPeople > 1 ? `Total (${numPeople} people)` : 'Your'} Cumulative Referral Earnings`,
+        data: numPeople > 1 ? chartValues.map(v => v * numPeople) : chartValues,
+        borderColor: '#6c5ce7',
+        backgroundColor: 'rgba(108,92,231,0.1)',
+        fill: true,
+        tension: 0.3,
+        pointRadius: 3,
+        pointHoverRadius: 5,
+      }]
+    },
+    options: {
+      responsive: true,
+      maintainAspectRatio: false,
+      plugins: {
+        legend: { labels: { color: '#8a8fa8', font: { size: 11 } } },
+        tooltip: {
+          callbacks: {
+            label: ctx => '$' + ctx.parsed.y.toLocaleString()
+          }
+        }
+      },
+      scales: {
+        x: { ticks: { color: '#5a5e7a', maxTicksLimit: 15, font: { size: 10 } }, grid: { color: '#2a2e4522' } },
+        y: { ticks: { color: '#5a5e7a', font: { size: 10 }, callback: v => '$' + v.toLocaleString() }, grid: { color: '#2a2e4522' } }
+      }
+    }
+  });
+
+  // ─── Timeline Tab ─────────────────────────────────────
+  const monthly = buildMonthlyTimeline(phases, commPct);
+  let tRows = '';
+  let runningCum = 0;
+  for (const m of monthly) {
+    runningCum += m.comm * numPeople;
+    tRows += `<tr>
+      <td>Month ${m.m}</td>
+      <td>${m.phase}</td>
+      <td class="num">$${(m.prof * numPeople).toLocaleString()}</td>
+      <td class="num green-text">$${(m.comm * numPeople).toLocaleString()}</td>
+      <td class="num">$${runningCum.toLocaleString()}</td>
     </tr>`;
   }
-  // Add current scenario
-  compRows += `<tr style="background:rgba(108,92,231,0.08);font-weight:600">
-    <td>📌 Current: ${scenarioLabel}</td>
-    <td>$${selfCost.toLocaleString()}</td>
-    <td>$${giftCost.toLocaleString()}</td>
-    <td class="num">~${timeToEndgame} months</td>
-    <td class="num">$${(adjYr1 * numPeople).toLocaleString()}</td>
-    <td class="num">$${(adjTotalEG * numPeople).toLocaleString()}</td>
-    <td class="num">$${(adjMonthly * numPeople).toLocaleString()}/mo</td>
-  </tr>`;
-  cb.innerHTML = compRows;
+  document.getElementById('timelineBody').innerHTML = tRows;
+
+  // Timeline chart
+  const ctx2 = document.getElementById('timelineChart').getContext('2d');
+  chart2 = new Chart(ctx2, {
+    type: 'bar',
+    data: {
+      labels: monthly.map(m => `M${m.m}`),
+      datasets: [
+        {
+          label: 'Their Profit',
+          data: monthly.map(m => m.prof * numPeople),
+          backgroundColor: 'rgba(0,214,143,0.4)',
+          borderColor: '#00d68f',
+          borderWidth: 1,
+          borderRadius: 3,
+        },
+        {
+          label: 'Your Commission',
+          data: monthly.map(m => m.comm * numPeople),
+          backgroundColor: 'rgba(108,92,231,0.5)',
+          borderColor: '#6c5ce7',
+          borderWidth: 1,
+          borderRadius: 3,
+        }
+      ]
+    },
+    options: {
+      responsive: true,
+      maintainAspectRatio: false,
+      plugins: {
+        legend: { labels: { color: '#8a8fa8', font: { size: 11 } } },
+        tooltip: { callbacks: { label: ctx => '$' + ctx.parsed.y.toLocaleString() } }
+      },
+      scales: {
+        x: { ticks: { color: '#5a5e7a', maxTicksLimit: 20, font: { size: 10 } }, grid: { color: '#2a2e4522' } },
+        y: { ticks: { color: '#5a5e7a', font: { size: 10 }, callback: v => '$' + v.toLocaleString() }, grid: { color: '#2a2e4522' } }
+      }
+    }
+  });
+
+  // ─── Ladder Tab ───────────────────────────────────────
+  let lRows = '';
+  for (const l of LEVELS) {
+    lRows += `<tr>
+      <td>Level ${l.level}</td>
+      <td>$${l.act}</td>
+      <td class="num">$${l.camp}</td>
+      <td class="num">$${l.total}</td>
+      <td class="num green-text">$${l.payout.toFixed(2)}</td>
+      <td class="num">$${l.netProfit.toFixed(2)}</td>
+      <td class="num">${l.clicks}</td>
+      <td class="num">$${l.cpc.toFixed(2)}</td>
+    </tr>`;
+  }
+  document.getElementById('ladderBody').innerHTML = lRows;
+
+  // Ladder progression
+  const ladderStart = effective;
+  let lpRows = '';
+  let started = false;
+  for (const s of LADDER_STEPS) {
+    const stepNum = LADDER_STEPS.indexOf(s) + 4;
+    if (stepNum <= ladderStart && ladderStart < 7) continue; // skip steps they already have
+    started = true;
+    const yourCut = s.ret * (commPct / 100);
+    lpRows += `<tr>
+      <td>${s.step}</td>
+      <td>$${s.capital.toLocaleString()}</td>
+      <td class="num">$${s.invest.toLocaleString()}</td>
+      <td class="num green-text">$${s.ret.toFixed(2)}</td>
+      <td class="num">$${s.profit.toFixed(2)}</td>
+      <td class="num">${s.cycles > 0 ? s.cycles + '×' : 'ongoing'}</td>
+      <td>${s.months > 0 ? `~${s.months} months` : 'forever'}</td>
+    </tr>`;
+  }
+  if (!lpRows) lpRows = '<tr><td colspan="7" style="text-align:center;color:var(--text-muted)">Already at endgame!</td></tr>';
+  document.getElementById('ladderProgressionBody').innerHTML = lpRows;
+
+  // ─── Comparison Tab ────────────────────────────────────
+  let cRows = '';
+  for (const s of SCENARIOS) {
+    const adj = mult;
+    cRows += `<tr class="scenario-row ${s.id === `gift${giftLevel}` || s.id === `self${selfLevel}` ? 'active-row' : ''}">
+      <td>${s.label}</td>
+      <td class="num">$${s.yourCost.toLocaleString()}</td>
+      <td class="num">$${s.yourCost.toLocaleString()}</td>
+      <td class="num">~${s.time} months</td>
+      <td class="num">$${Math.round(s.yr1 * adj * numPeople).toLocaleString()}</td>
+      <td class="num">$${Math.round(s.totalEG * adj * numPeople).toLocaleString()}</td>
+      <td class="num">$${Math.round(s.monthly * adj * numPeople).toLocaleString()}/mo</td>
+    </tr>`;
+  }
+  // Current scenario highlighted
+  document.getElementById('comparisonBody').innerHTML = cRows;
+
+  // Compare chart
+  const ctx3 = document.getElementById('compareChart').getContext('2d');
+  const compareLabels = SCENARIOS.map(s => s.label.replace('$', '').replace('(', '').replace(')', ''));
+  const compareData = SCENARIOS.map(s => Math.round(s.yr1 * mult * numPeople));
+  chart3 = new Chart(ctx3, {
+    type: 'bar',
+    data: {
+      labels: compareLabels,
+      datasets: [{
+        label: `Year 1 Earnings (${numPeople} people)`,
+        data: compareData,
+        backgroundColor: compareData.map((v, i) => {
+          const ids = [`gift${giftLevel}`, `self${selfLevel}`];
+          return ids.includes(SCENARIOS[i].id) ? 'rgba(108,92,231,0.7)' : 'rgba(90,94,122,0.3)';
+        }),
+        borderColor: compareData.map((v, i) => {
+          const ids = [`gift${giftLevel}`, `self${selfLevel}`];
+          return ids.includes(SCENARIOS[i].id) ? '#6c5ce7' : '#5a5e7a';
+        }),
+        borderWidth: 1,
+        borderRadius: 4,
+      }]
+    },
+    options: {
+      responsive: true,
+      maintainAspectRatio: false,
+      indexAxis: 'y',
+      plugins: {
+        legend: { display: false },
+        tooltip: { callbacks: { label: ctx => '$' + ctx.parsed.x.toLocaleString() + ' / yr' } }
+      },
+      scales: {
+        x: { ticks: { color: '#5a5e7a', font: { size: 9 }, callback: v => '$' + v.toLocaleString() }, grid: { color: '#2a2e4522' } },
+        y: { ticks: { color: '#8a8fa8', font: { size: 9 } }, grid: { display: false } }
+      }
+    }
+  });
 }
 
-// ─── TABS ──────────────────────────────────────────────────
+// ══════════════════════════════════════════════════════════════════════
+// EVENT WIRING & INIT
+// ══════════════════════════════════════════════════════════════════════
+['numPeople','commissionPct','giftLevel','selfFundLevel','showReferral'].forEach(id => {
+  const el = document.getElementById(id);
+  el.addEventListener('input', updateAll);
+  el.addEventListener('change', updateAll);
+});
 
+// Tabs
 document.querySelectorAll('.tab-btn').forEach(btn => {
   btn.addEventListener('click', () => {
     document.querySelectorAll('.tab-btn').forEach(b => b.classList.remove('active'));
     document.querySelectorAll('.results').forEach(r => r.classList.remove('active'));
     btn.classList.add('active');
     document.getElementById('tab-' + btn.dataset.tab).classList.add('active');
+    setTimeout(() => { if (chart1) chart1.resize(); if (chart2) chart2.resize(); if (chart3) chart3.resize(); }, 50);
   });
 });
 
-// ─── EVENT WIRING ──────────────────────────────────────────
-
-['numPeople','commissionPct','giftLevel','selfFundLevel'].forEach(id => {
-  document.getElementById(id).addEventListener('input', updateAll);
-  document.getElementById(id).addEventListener('change', updateAll);
-});
-
-// ─── INIT ──────────────────────────────────────────────────
-
 updateAll();
 </script>
 </body>