Lower Give platform fee from 5% to 3.5%.

Update checkout constant, payout copy, and Afia prompts to match the new Ladill Pay rate.

Co-authored-by: Cursor <cursoragent@cursor.com>

app/Models/GiveDonation.php

@@ -12,7 +12,7 @@ class GiveDonation extends Model
     public const STATUS_FAILED = 'failed';
 
     /** Platform fee on donations (Ladill Give tier). */
-    public const PLATFORM_FEE_RATE = 0.05;
+    public const PLATFORM_FEE_RATE = 0.035;
 
     protected $fillable = [
         'pay_order_id',

app/Services/Afia/AfiaService.php

@@ -102,7 +102,7 @@ class AfiaService
         - Giving pages: create and manage donation pages — set a title, description, suggested amounts, and cover image, then publish and share the page link or QR.
         - Donations: incoming donations from your pages — view donors, amounts, and messages.
         - Payouts: donated funds land in your Ladill wallet; request a withdrawal to your bank or mobile money from Payouts.
-        - Fees: Ladill takes a 5% platform fee on donations; the remainder is yours.
+        - Fees: Ladill takes a 3.5% platform fee on donations; the remainder is yours.
         - Account & Wallet: check balance or top up at account.ladill.com/wallet.
 
         Rules: