replace PNPL abbreviation with full name in all user-facing copy

- Landing page: 'PNPL captures...' → 'Pledge Now, Pay Later captures...'
- Landing page: 'Who uses PNPL?' → 'Who uses Pledge Now, Pay Later?'
- Landing page: rewrote HNW + fundraiser descriptions to avoid abbreviation
- Dashboard sidebar fallback: 'PNPL' → 'Pledge Now, Pay Later'
- Bank reference prefixes (PNPL-XXXX-50) left as-is — 18-char BACS limit

pledge-now-pay-later/src/app/dashboard/layout.tsx

@@ -33,7 +33,7 @@ export default function DashboardLayout({ children }: { children: React.ReactNod
               <span className="text-white font-bold text-sm">P</span>
             </div>
             <div className="hidden sm:block">
-              <span className="font-black text-sm text-gray-900">{user?.orgName || "PNPL"}</span>
+              <span className="font-black text-sm text-gray-900">{user?.orgName || "Pledge Now, Pay Later"}</span>
             </div>
           </Link>
           <div className="flex-1" />

pledge-now-pay-later/src/app/page.tsx

@@ -30,7 +30,7 @@ export default function HomePage() {
             <span className="text-trust-blue">Convert them into donations.</span>
           </h1>
           <p className="text-lg text-muted-foreground max-w-2xl mx-auto">
-            Someone says &quot;I&apos;ll donate £5,000&quot; — then what? PNPL captures that promise, sends WhatsApp reminders, and tracks every penny until it lands. At events, on social media, in WhatsApp groups, or one-on-one with high-net-worth donors.
+            Someone says &quot;I&apos;ll donate £5,000&quot; — then what? Pledge Now, Pay Later captures that promise, sends WhatsApp reminders, and tracks every penny until it lands. At events, on social media, in WhatsApp groups, or one-on-one with high-net-worth donors.
           </p>
           <div className="flex flex-col sm:flex-row gap-3 justify-center">
             <Link href="/signup" className="rounded-xl bg-trust-blue px-6 py-3.5 text-base font-semibold text-white hover:bg-trust-blue/90 transition-all shadow-lg shadow-trust-blue/20">
@@ -48,7 +48,7 @@ export default function HomePage() {
       <section className="py-14 bg-gray-50 px-4">
         <div className="max-w-5xl mx-auto space-y-8">
           <div className="text-center">
-            <h2 className="text-3xl font-black text-gray-900">Who uses PNPL?</h2>
+            <h2 className="text-3xl font-black text-gray-900">Who uses Pledge Now, Pay Later?</h2>
             <p className="text-muted-foreground mt-2">Anyone who collects promises of money and needs them fulfilled.</p>
           </div>
           <div className="grid md:grid-cols-2 gap-5">
@@ -79,7 +79,7 @@ export default function HomePage() {
                   <p className="text-xs text-muted-foreground">Major gifts, personal pledges, board commitments</p>
                 </div>
               </div>
-              <p className="text-sm text-muted-foreground">Send a personal pledge link to a major donor via WhatsApp or email. They commit to £50k over 6 months. PNPL tracks each instalment, sends reminders before due dates, and shows you the full pipeline.</p>
+              <p className="text-sm text-muted-foreground">Send a personal pledge link to a major donor via WhatsApp or email. They commit to £50k over 6 months. Every instalment is tracked, reminders are sent before due dates, and you see the full pipeline.</p>
               <div className="flex flex-wrap gap-1.5">
                 <span className="text-[10px] font-medium bg-warm-amber/5 text-warm-amber px-2 py-0.5 rounded-full">Personal links</span>
                 <span className="text-[10px] font-medium bg-warm-amber/5 text-warm-amber px-2 py-0.5 rounded-full">Instalments</span>
@@ -113,7 +113,7 @@ export default function HomePage() {
                   <p className="text-xs text-muted-foreground">LaunchGood, Enthuse, JustGiving, GoFundMe</p>
                 </div>
               </div>
-              <p className="text-sm text-muted-foreground">Already have a fundraising page? Share your PNPL link on WhatsApp and social media. People pledge an amount, then get redirected to your LaunchGood/Enthuse/JustGiving page to pay. You see who actually followed through.</p>
+              <p className="text-sm text-muted-foreground">Already have a fundraising page? Share your pledge link on WhatsApp and social media. People pledge an amount, then get redirected to your LaunchGood/Enthuse/JustGiving page to pay. You see who actually followed through.</p>
               <div className="flex flex-wrap gap-1.5">
                 <span className="text-[10px] font-medium bg-purple-50 text-purple-600 px-2 py-0.5 rounded-full">External redirect</span>
                 <span className="text-[10px] font-medium bg-purple-50 text-purple-600 px-2 py-0.5 rounded-full">Social sharing</span>