feat: conditional & match funding pledges — deeply integrated across entire product

- Schema: isConditional, conditionType, conditionText, conditionThreshold, conditionMet, conditionMetAt on Pledge
- Pledge form: 'This is a match pledge' toggle after amount selection
  - Two modes: threshold (if target is reached) and match (match funding)
  - Goal amount passed through from event
- Auto-trigger: when total raised hits threshold, conditional pledges unlock automatically
  - WhatsApp notification sent to donor when unlocked
  - Threshold check runs after every pledge creation AND every status change
- Cron: skips conditional pledges until conditionMet=true (no premature reminders)
- Dashboard Home: progress bar shows conditional segment (amber), stats grid adds Conditional column
- Dashboard Money: conditional/unlocked badge on pledge rows
- Dashboard Collect: hero shows conditional total in amber
- Dashboard Reports: financial summary shows conditional breakdown
- Donor 'My Pledges': conditional card with condition text + activation status
- Confirmation step: specialized messaging for match pledges
- CRM export: includes is_conditional, condition_type, condition_text, condition_met columns
- Status guide: conditional status explained in human language

pledge-now-pay-later/src/app/p/[token]/page.tsx

@@ -33,6 +33,11 @@ export interface PledgeData {
   dueDate?: string
   installmentCount?: number
   installmentDates?: string[]
+  // Conditional / match funding
+  isConditional: boolean
+  conditionType?: "threshold" | "match" | "custom"
+  conditionText?: string
+  conditionThreshold?: number
 }
 
 interface EventInfo {
@@ -46,6 +51,7 @@ interface EventInfo {
   externalPlatform: string | null
   zakatEligible: boolean
   hasStripe: boolean
+  goalAmount: number | null
 }
 
 /*
@@ -78,6 +84,7 @@ export default function PledgePage() {
     emailOptIn: false,
     whatsappOptIn: false,
     scheduleMode: "now",
+    isConditional: false,
   })
   const [pledgeResult, setPledgeResult] = useState<{
     id: string
@@ -106,14 +113,14 @@ export default function PledgePage() {
   const isExternal = eventInfo?.paymentMode === "external" && eventInfo?.externalUrl
 
   // Step 0: Amount selected
-  const handleAmountSelected = (amountPence: number) => {
-    setPledgeData((d) => ({ ...d, amountPence }))
+  const handleAmountSelected = (amountPence: number, conditional?: { isConditional: boolean; conditionType?: "threshold" | "match" | "custom"; conditionText?: string; conditionThreshold?: number }) => {
+    const conditionalData = conditional || { isConditional: false }
+    setPledgeData((d) => ({ ...d, amountPence, ...conditionalData }))
     if (isExternal) {
-      // External events: amount → identity → redirect (skip schedule + payment method)
-      setPledgeData((d) => ({ ...d, amountPence, rail: "bank", scheduleMode: "now" }))
-      setStep(3) // → Identity
+      setPledgeData((d) => ({ ...d, amountPence, rail: "bank", scheduleMode: "now", ...conditionalData }))
+      setStep(3)
     } else {
-      setStep(1) // → Schedule step
+      setStep(1)
     }
   }
 
@@ -225,7 +232,7 @@ export default function PledgePage() {
       : undefined
 
   const steps: Record<number, React.ReactNode> = {
-    0: <AmountStep onSelect={handleAmountSelected} eventName={eventInfo?.name || ""} eventId={eventInfo?.id} />,
+    0: <AmountStep onSelect={handleAmountSelected} eventName={eventInfo?.name || ""} eventId={eventInfo?.id} goalAmount={eventInfo?.goalAmount} />,
     1: <ScheduleStep amount={pledgeData.amountPence} onSelect={handleScheduleSelected} />,
     2: <PaymentStep onSelect={handleRailSelected} amount={pledgeData.amountPence} hasStripe={eventInfo?.hasStripe ?? false} />,
     3: <IdentityStep onSubmit={submitPledge} amount={pledgeData.amountPence} zakatEligible={eventInfo?.zakatEligible} orgName={eventInfo?.organizationName} />,
@@ -242,6 +249,8 @@ export default function PledgePage() {
         dueDateLabel={dueDateLabel}
         installmentCount={pledgeData.installmentCount}
         installmentAmount={pledgeData.installmentCount ? Math.ceil(pledgeData.amountPence / pledgeData.installmentCount) : undefined}
+        isConditional={pledgeData.isConditional}
+        conditionText={pledgeData.conditionText}
       />
     ),
     6: <CardPaymentStep amount={pledgeData.amountPence} eventName={eventInfo?.name || ""} eventId={eventInfo?.id || ""} qrSourceId={eventInfo?.qrSourceId || null} onComplete={submitPledge} />,