Fix Phase-by-Phase Journey cumulative payout column

Bug: The 'Cumulative to You' column showed /usr/bin/bash.00 (no gift) or a frozen
value (with gift) instead of the actual running total of referral earnings.

Fix:
- Separate ROI tracking (cumulative until gift cost is recouped) from
  cumulative payout display (always accumulates across all phases)
- Use roiCum/roiRow for ROI tracking, cumRunning for display
- 3× L7 Endgame uses 1 cycle (not 0) so its contribution is counted
- Highlight phase where ROI is achieved (not the phase after it)

L1 Only: 5.48, L2+L1: 3.04, L3+L1: 47.68, L4+L3: 39.28,
L5+L4: 05.84, L6: ,527.92, L7: ,795.92, 3×L7: ,767.92

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;
+      roiCum += yourCut * cyclesNum;
-      if (cumRunning >= giftCost) roiHit = true;
+      if (roiCum >= giftCost) {
+        roiHit = true;
+        roiRow = k;
+      }
     }
-    const isRoi = giftCost > 0 && !roiHit ? true : false;
+    const cls = k === '3xL7' ? 'endgame' : (k === roiRow ? 'highlight' : '');
-    const cls = k === '3xL7' ? 'endgame' : (isRoi && roiHit ? 'highlight' : '');
     rows += `<tr class="${cls}">
       <td>${p.label}</td>
       <td class="num">${k === '3xL7' ? 'every 19d' : `${cyclesNum}×`}</td>