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h3{color:var(--navy);margin-bottom:14px;font-size:19px}.trust-strip{line-height:0}.trust-strip img{width:100%;height:auto;display:block}footer.site-footer{background:var(--paper-deep);color:var(--muted);position:relative;border-top:1px solid var(--line)}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:34px;padding-top:52px}@media (max-width:800px){.footer-grid{grid-template-columns:1fr}}footer h4{font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:14px}footer ul{list-style:none}footer li{margin-bottom:9px;font-size:13.5px}footer li a{transition:color var(--fast) var(--ease),padding-left var(--fast) var(--ease);display:inline-block}footer li a:hover{color:var(--navy);padding-left:4px}.footer-bottom{display:flex;justify-content:space-between;padding:22px 0 30px;border-top:1px solid var(--line);font-size:12px;color:var(--muted);flex-wrap:wrap;gap:10px}.loader{padding:60px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;color:var(--muted)}.spinner{width:34px;height:34px;border-radius:50%;border:3px solid var(--line);border-top-color:var(--gold);animation:spin .7s linear infinite}.spinner.spinner-sm{width:16px;height:16px;border-width:2px}.btn .spinner{border-color:#0a1f3d40;border-top-color:var(--navy-deep)}.btn-danger .spinner,.btn-ghost .spinner{border-color:#ffffff59;border-top-color:currentColor}.empty-state{padding:48px;text-align:center;color:var(--muted);border:1.5px dashed var(--line);border-radius:var(--radius-lg);background:#fff}.skeleton{background:linear-gradient(90deg,var(--paper-deep) 25%,#DFDACB 37%,var(--paper-deep) 63%);background-size:800px 100%;animation:shimmer 1.6s ease-in-out infinite;border-radius:var(--radius-sm)}.skel-card{border-radius:var(--radius-lg);padding:26px;border:1px solid var(--line);background:#fff}.skel-card .skeleton{height:14px;margin-bottom:12px}.skel-card .skeleton:nth-child(1){width:40%;height:12px}.skel-card .skeleton:nth-child(2){width:85%;height:18px}.skel-card .skeleton:nth-child(3){width:100%}.skel-card .skeleton:nth-child(4){width:70%;margin-bottom:0}