Lower donation platform fee from 9% to 5%.

Update settlement logic and in-app copy to match the new Ladill Pay donations tier.

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

resources/views/give/payouts.blade.php

@@ -4,7 +4,7 @@
     <div class="space-y-6">
         <div>
             <h1 class="text-xl font-semibold text-slate-900">Payouts</h1>
-            <p class="mt-1 text-sm text-slate-500">Donations settle into your Ladill wallet (9% fee), then withdraw to bank or MoMo.</p>
+            <p class="mt-1 text-sm text-slate-500">Donations settle into your Ladill wallet (5% fee), then withdraw to bank or MoMo.</p>
         </div>
         <div class="grid gap-4 sm:grid-cols-2">
             <div class="rounded-2xl border border-slate-200 bg-white p-5">

resources/views/partials/afia.blade.php

@@ -1,5 +1,5 @@
 @php
-    $afiaGreeting = "Hi, I'm Afia 👋 Ask me about giving pages — creating one, accepting donations, payouts, or the 9% platform fee…";
+    $afiaGreeting = "Hi, I'm Afia 👋 Ask me about giving pages — creating one, accepting donations, payouts, or the 5% platform fee…";
     $afiaSuggestions = [
         'How do I create a giving page?',
         'How do supporters give online?',