fix: use real calendar math for estimateMonths and estimateYear1Cum

- estimateMonths: cycles × daysPer / 30.4 instead of simplified .months
- estimateYear1Cum: track days_left (365) instead of aggregated months
- removes dead variable cycInMonth
- Gift L3 year 1 commissions: ~,085 → ~,113 (honest calendar-based)
- Time to 3×L7 for Gift L3: 12.5mo → 15.0mo (realistic)

index.html

@@ -725,27 +725,25 @@ function getPhaseSequence(effectiveStart) {
 }
 
 function estimateMonths(phases) {
-  let total = 0;
+  let totalDays = 0;
   for (const k of phases) {
     if (k === '3xL7') break;
-    total += HYBRIDS[k].months;
+    totalDays += HYBRIDS[k].cycles * HYBRIDS[k].daysPer;
   }
-  return Math.round(total * 10) / 10;
+  return Math.round(totalDays / 30.4 * 10) / 10;
 }
 
 function estimateYear1Cum(phases, commPct, giftLevel) {
   let cum = 0;
-  let months = 0;
+  let daysLeft = 365;
   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;
+    const cyclesFit = Math.min(p.cycles, Math.floor(daysLeft / p.daysPer));
+    cum += cyclesFit * yourCut;
+    daysLeft -= cyclesFit * p.daysPer;
+    if (daysLeft <= 0) break;
   }
   return Math.round(cum);
 }