+ );
+}
diff --git a/src/components/FallbackInsights.tsx b/src/components/FallbackInsights.tsx
new file mode 100644
index 0000000..017f6e9
--- /dev/null
+++ b/src/components/FallbackInsights.tsx
@@ -0,0 +1,112 @@
+import type { LocalInsights } from '../types/budget';
+
+interface Props {
+ insights: LocalInsights;
+ reason: 'quota' | 'network' | 'disabled' | 'unknown';
+ onSelectKey?: () => void;
+}
+
+const reasonMessages: Record = {
+ quota: 'AI insights are temporarily unavailable because the API quota has been exceeded.',
+ network: 'AI insights are unavailable due to a network error.',
+ disabled: 'AI features are currently disabled.',
+ unknown: 'AI insights are temporarily unavailable.',
+};
+
+const reasonSuggestions: Record = {
+ quota: 'Connect a different API key to restore AI features, or wait until your quota resets.',
+ network: 'Check your internet connection and try again later.',
+ disabled: 'Enable AI features in settings to get personalized insights.',
+ unknown: 'Please try again later.',
+};
+
+export function FallbackInsights({ insights, reason, onSelectKey }: Props) {
+ return (
+