diff --git a/index.html b/index.html
index 8b4409e..18c8092 100644
--- a/index.html
+++ b/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;