Marty Bostick 7be4867604 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)

2026-07-11 10:35:37 +00:00

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2026-07-10 15:24:58 +00:00

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fix: use real calendar math for estimateMonths and estimateYear1Cum

2026-07-11 10:35:37 +00:00

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