diff --git a/index.html b/index.html
index 9225393..59c4f9b 100644
--- a/index.html
+++ b/index.html
@@ -1724,18 +1724,26 @@ ${numPeople > 0 ? `
   }
 
   let cumRunning = 0;
+  let roiCum = 0;
   let roiHit = false;
+  let roiRow = ''; // phase key where ROI was achieved
   let rows = '';
   for (const k of phases) {
     const p = HYBRIDS[k];
     const yourCut = p.payout * (commPct / 100);
-    const cyclesNum = p.cycles;
+    const cyclesNum = k === '3xL7' ? 1 : p.cycles;
+    // Track cumulative payout (always accumulates — this is the total to sponsor)
+    cumRunning += yourCut * cyclesNum;
+
+    // Track ROI separately (only when there's a gift cost)
     if (!roiHit && giftCost > 0) {
-      for (let i = 0; i < cyclesNum; i++) cumRunning += yourCut;
-      if (cumRunning >= giftCost) roiHit = true;
+      roiCum += yourCut * cyclesNum;
+      if (roiCum >= giftCost) {
+        roiHit = true;
+        roiRow = k;
+      }
     }
-    const isRoi = giftCost > 0 && !roiHit ? true : false;
-    const cls = k === '3xL7' ? 'endgame' : (isRoi && roiHit ? 'highlight' : '');
+    const cls = k === '3xL7' ? 'endgame' : (k === roiRow ? 'highlight' : '');
     rows += `<tr class="${cls}">
       <td>${p.label}</td>
       <td class="num">${k === '3xL7' ? 'every 19d' : `${cyclesNum}×`}</td>