Version 1.3.1

Phase 1: Predictive Analytics
HealthRiskScorer (classes/HealthRiskScorer.php): Analyzes member age, chronic conditions, and visit frequency to calculate a risk score (0-100).
Risk Scoring Job (risk_scoring_cron.php): A script designed to run nightly to update scores for all active members.
Database: SQL schema for member_risk_scores.

Phase 2: Mobile Money Integration
MobileMoneyGateway (classes/MobileMoneyGateway.php): Interface for triggering STK Pushes (Mock implementation ready for API keys).
Callback Handler (api/mobile_payment_callback.php): Endpoint to receive payment confirmations.
Micro-Premiums: Added "Weekly" and "Daily" options to the Installment Plan configuration.