.ins-tiles{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));margin:20px 0}
  .ins-tile{border:1px solid #e5e7eb;border-radius:16px;padding:18px;background:#fff;text-align:center;cursor:pointer}
  .ins-tile svg{width:56px;height:56px;stroke-width:1.4}
  .ins-tile span{display:block;font-weight:600;margin-top:6px}
  .ins-tile small{display:block;color:#6b7280}
  .ins-panel{display:none;border:1px solid #e5e7eb;border-radius:16px;padding:18px;margin:8px 0 28px}
  .ins-panel.active{display:block}
  .ins-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
  .ins-col2{grid-column:span 2}
  .ins-group{display:flex;flex-wrap:wrap;gap:10px;margin:8px 0}
  .ins-group .ins-label{width:100%;color:#374151}
  .ins-panel label{display:flex;flex-direction:column;font-size:14px;color:#4b5563;gap:6px}
  .ins-panel input,.ins-panel select{border:1px solid #c6c6c6;border-radius:10px;padding:9px 11px}
  .ins-actions{display:flex;align-items:center;gap:10px;margin-top:10px}
  .ins-send{background:#0d6efd;color:#fff;border:0;border-radius:12px;padding:11px 16px;font-weight:600}
  .ins-msg{font-size:14px}
  .ins-error{outline:2px solid #ef4444}
  .ins-hp{position:absolute;left:-5000px;width:1px;height:1px}
  fieldset{margin:10px 0 6px;border:0;padding:0}
  legend{font-weight:700;margin-bottom:6px}
  .ins-inline{display:flex;gap:10px;align-items:flex-end}