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## Summary - Show a `ShimmeringLoader` skeleton in the new-org form while the creation preview is fetching for the first time, so users see feedback after entering their billing address. - Disable the **Create organization** button while the preview is refetching, to prevent submitting on stale totals. - Replace the inline charge summary with the shared `ChargeBreakdown` component, extending it with an optional `subtotalLabel` prop (defaults to `"Subtotal"`, `"Plan price"` here) to preserve the existing copy. ## Test plan - [ ] Navigate to `/new` → pick Pro/Team → enter a billing address → confirm shimmer shows until the first preview resolves. - [ ] Change address/tax ID → confirm existing totals fade to 50% while refetching and the submit button is disabled during the fetch. - [ ] Confirm the breakdown still renders "Plan price", "Tax (x%)", and "Total due today" correctly - [ ] FREE plan path unaffected — no preview request, submit button behaves as before. <!-- This is an auto-generated comment: release notes by coderabbit.ai --> ## Summary by CodeRabbit * **Improvements** * Organization creation form now displays loading placeholders while billing preview data is being fetched, providing clearer visual feedback during the calculation process * Submit button is now properly disabled during billing information retrieval * Billing breakdown display has been refined for improved consistency <!-- end of auto-generated comment: release notes by coderabbit.ai -->