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* fix: hide insights submenu for free users * fix: allow navigation access while plan pending * refactor: update upgrade link to insights in navigation * fix: addressed all the issues * fix: prevent flash of premium features for free users during loading Change from optimistic to pessimistic loading so free users don't briefly see the Insights submenu while plan status is being fetched. --------- Co-authored-by: Dhairyashil <dhairyashil10101010@gmail.com>