Fix: referral column visibility now respects checkbox, not just numPeople

- The second toggle block (lines 1718-1725) was overriding the checkbox state
- When numPeople > 0, it was showing sponsor columns regardless of checkbox
- Now uses  so both conditions must be met
- Referral columns stay hidden by default even when simulating a referral plan

index.html

@@ -1715,13 +1715,14 @@ ${numPeople > 0 ? `
   `;
   document.getElementById('summaryCards').innerHTML = summaryHtml;
 
-  // Toggle referral columns when no people in downline
+  // Toggle referral columns when no people in downline, but respect checkbox
+  const shouldShow = (numPeople > 0) && showRef;
   for (const id of ['headerYourCut','headerCumulative','headerTimelineComm','headerTimelineCum']) {
     const el = document.getElementById(id);
-    if (el) el.style.display = numPeople > 0 ? '' : 'none';
+    if (el) el.style.display = shouldShow ? '' : 'none';
   }
   for (const el of document.querySelectorAll('.referral-col')) {
-    el.style.display = numPeople > 0 ? '' : 'none';
+    el.style.display = shouldShow ? '' : 'none';
   }
 
   let cumRunning = 0;