Replace spinners with skeleton loading states for faster perceived UX.

Add reusable Skeleton components and route-level loading files across public pages and admin lists so layouts stay stable while data loads.

Co-authored-by: Cursor <cursoragent@cursor.com>

frontend/src/app/(public)/legal/[slug]/loading.tsx

@@ -0,0 +1,25 @@
+import { Skeleton, SkeletonGroup, SkeletonText } from '@/components/ui/Skeleton';
+
+// Route-level skeleton for legal pages: back link, bordered header, prose body.
+export default function LegalPageLoading() {
+  return (
+    <div className="section-padding">
+      <div className="container-page max-w-4xl">
+        <SkeletonGroup>
+          <Skeleton className="h-5 w-32 mb-8" />
+          <div className="mb-8 pb-6 border-b border-gray-200">
+            <Skeleton className="h-10 w-2/3" />
+            <Skeleton className="mt-3 h-4 w-44" />
+          </div>
+          <div className="space-y-6">
+            <SkeletonText lines={4} />
+            <Skeleton className="h-6 w-1/3" />
+            <SkeletonText lines={5} />
+            <Skeleton className="h-6 w-2/5" />
+            <SkeletonText lines={4} />
+          </div>
+        </SkeletonGroup>
+      </div>
+    </div>
+  );
+}