.loader-overlay {
  position: fixed;
  inset: 0;
  display: grid;
  place-items: center;
  background: rgba(255, 255, 255, 0.96);
  z-index: 9999;
}
@media (prefers-color-scheme: dark) {
  .loader-overlay { background: rgba(18, 18, 18, 0.96); }
}
.loader {
  display: grid;
  justify-items: center;
  gap: 14px;
}
.loader-text {
  font: 500 14px/1.4 system-ui, -apple-system, Segoe UI, Roboto, Ubuntu, Cantarell, "Helvetica Neue", Arial, "Noto Sans";
  opacity: 0.75;
}
.spinner {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 4px solid transparent;
  border-top-color: #1976d2;
  border-right-color: #1976d2;
  animation: spin 0.8s linear infinite;
  box-shadow: 0 0 0 1px rgba(0,0,0,0.03) inset;
}
@keyframes spin { to { transform: rotate(360deg); } }