feat: premium UI overhaul, AI suggestions, WAHA WhatsApp integration

PREMIUM UI:
- All animations: fade-up, scale-in, stagger children, confetti celebration
- Glass effects, gradient icons, premium card hover states
- Custom CSS: shimmer, pulse-ring, bounce, counter-roll animations
- Smooth progress bar with gradient

AI-POWERED (GPT-4o-mini nano model):
- Smart amount suggestions based on peer data (/api/ai/suggest)
- Social proof: '42 people pledged · Average £85'
- AI-generated nudge text for conversion
- AI fuzzy matching for bank reconciliation
- AI reminder message generation

WAHA WHATSAPP INTEGRATION:
- Auto-send pledge receipt with bank details via WhatsApp
- 4-step reminder sequence: gentle → nudge → urgent → final
- Chatbot: donors reply PAID, HELP, CANCEL, STATUS
- Volunteer notification on new pledges
- WhatsApp status in dashboard settings
- Webhook endpoint for incoming messages

DONOR FLOW (CRO):
- Amount step: AI suggestions, Gift Aid preview, social proof, haptic feedback
- Payment step: trust signals, fee comparison, benefit badges
- Identity step: email/phone toggle, WhatsApp reminder indicator
- Bank instructions: tap-to-copy each field, WhatsApp delivery confirmation
- Confirmation: confetti, pulse animation, share CTA, WhatsApp receipt

COMPOSE:
- Added WAHA env vars + qc-comms network for WhatsApp access

pledge-now-pay-later/src/app/api/whatsapp/webhook/route.ts

@@ -0,0 +1,109 @@
+import { NextRequest, NextResponse } from "next/server"
+import prisma from "@/lib/prisma"
+import { sendWhatsAppMessage } from "@/lib/whatsapp"
+
+/**
+ * WAHA webhook — receives incoming WhatsApp messages
+ * Handles: PAID, HELP, CANCEL commands from donors
+ */
+export async function POST(request: NextRequest) {
+  try {
+    const body = await request.json()
+    const { payload } = body
+
+    // WAHA sends message events
+    if (!payload?.body || !payload?.from) {
+      return NextResponse.json({ ok: true })
+    }
+
+    const text = payload.body.trim().toUpperCase()
+    const fromPhone = payload.from.replace("@c.us", "")
+
+    // Only handle known commands
+    if (!["PAID", "HELP", "CANCEL", "STATUS"].includes(text)) {
+      return NextResponse.json({ ok: true })
+    }
+
+    if (!prisma) return NextResponse.json({ ok: true })
+
+    // Find pledges by this phone number
+    // Normalize: try with and without country code
+    const phoneVariants = [fromPhone]
+    if (fromPhone.startsWith("44")) {
+      phoneVariants.push("0" + fromPhone.slice(2))
+      phoneVariants.push("+" + fromPhone)
+    }
+
+    const pledges = await prisma.pledge.findMany({
+      where: {
+        donorPhone: { in: phoneVariants },
+        status: { in: ["new", "initiated"] },
+      },
+      include: {
+        event: { select: { name: true } },
+        paymentInstruction: true,
+      },
+      orderBy: { createdAt: "desc" },
+      take: 5,
+    })
+
+    if (pledges.length === 0) {
+      await sendWhatsAppMessage(fromPhone, `We couldn't find any pending pledges for this number. If you need help, please contact the charity directly.`)
+      return NextResponse.json({ ok: true })
+    }
+
+    const pledge = pledges[0] // Most recent
+    const amount = (pledge.amountPence / 100).toFixed(0)
+
+    switch (text) {
+      case "PAID": {
+        await prisma.pledge.update({
+          where: { id: pledge.id },
+          data: { status: "initiated", iPaidClickedAt: new Date() },
+        })
+        await sendWhatsAppMessage(fromPhone,
+          `✅ Thanks! We've noted that you've paid your *£${amount}* pledge to ${pledge.event.name}.\n\nWe'll confirm once the payment is matched. Ref: \`${pledge.reference}\``
+        )
+        break
+      }
+
+      case "HELP": {
+        const bankDetails = pledge.paymentInstruction?.bankDetails as Record<string, string> | null
+        if (bankDetails) {
+          await sendWhatsAppMessage(fromPhone,
+            `🏦 *Bank Details for your £${amount} pledge:*\n\nSort Code: \`${bankDetails.sortCode}\`\nAccount: \`${bankDetails.accountNo}\`\nName: ${bankDetails.accountName}\nReference: \`${pledge.reference}\`\n\n⚠️ _Use the exact reference above_`
+          )
+        } else {
+          await sendWhatsAppMessage(fromPhone,
+            `Your pledge ref is \`${pledge.reference}\` for £${amount} to ${pledge.event.name}.\n\nContact the charity for payment details.`
+          )
+        }
+        break
+      }
+
+      case "CANCEL": {
+        await prisma.pledge.update({
+          where: { id: pledge.id },
+          data: { status: "cancelled", cancelledAt: new Date() },
+        })
+        await sendWhatsAppMessage(fromPhone,
+          `Your £${amount} pledge to ${pledge.event.name} has been cancelled. No worries — thank you for considering! 🙏`
+        )
+        break
+      }
+
+      case "STATUS": {
+        const statusText = pledges.map(p =>
+          `• £${(p.amountPence / 100).toFixed(0)} → ${p.event.name} (${p.status}) [${p.reference}]`
+        ).join("\n")
+        await sendWhatsAppMessage(fromPhone, `📋 *Your pledges:*\n\n${statusText}`)
+        break
+      }
+    }
+
+    return NextResponse.json({ ok: true })
+  } catch (error) {
+    console.error("WhatsApp webhook error:", error)
+    return NextResponse.json({ ok: true })
+  }
+}