.loading-overlay {
  position: fixed;
  inset: 0;
  z-index: 10000;
  display: grid;
  place-items: center;
  background: rgba(244, 249, 246, .88);
  backdrop-filter: blur(3px);
  cursor: wait;
}
.loading-overlay[hidden] { display: none; }
.loading-content {
  display: grid;
  justify-items: center;
  gap: 16px;
  padding: 28px 36px;
  border: 1px solid #d5e9dd;
  border-radius: 20px;
  background: #fff;
  color: #166534;
  box-shadow: 0 12px 40px rgba(20, 83, 45, .12);
  font: 600 15px/1.4 system-ui, sans-serif;
}
.loading-spinner {
  width: 46px;
  height: 46px;
  box-sizing: border-box;
  border: 4px solid #dceee2;
  border-top-color: #16834a;
  border-radius: 50%;
  animation: loading-spin .8s linear infinite;
}
@keyframes loading-spin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) {
  .loading-spinner { animation: none; }
}