.nav-link { padding: .5rem .75rem; font-size: .875rem; font-weight: 500; color: #374151; border-radius: .5rem; transition: .15s; }
.nav-link:hover { color: #c8001f; background: #f9fafb; }
.mobile-nav-link { display: block; padding: .625rem .75rem; font-size: .875rem; font-weight: 500; color: #374151; border-radius: .5rem; }
.mobile-nav-link:hover { color: #c8001f; background: #f9fafb; }
.faq-item[open] summary .faq-chevron { transform: rotate(180deg); }
.faq-chevron { transition: transform .2s ease; }
.skeleton { background: linear-gradient(90deg,#f1f1f1 25%,#e9e9e9 37%,#f1f1f1 63%); background-size: 400% 100%; animation: skeleton 1.4s ease infinite; }
@keyframes skeleton { 0% { background-position: 100% 50%; } 100% { background-position: 0 50%; } }
.spinner { border: 3px solid rgba(255,255,255,.35); border-top-color: #fff; border-radius: 50%; width: 20px; height: 20px; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
html { scroll-behavior: smooth; }