SAN FRANCISCO — In a landmark development, Meta reached a proposed settlement Wednesday with U.S. states over claims it designed Facebook and Instagram to hook children. Here are the main terms, which require a judge's approval to take effect. The money Meta would pay in 10 annual installments totaling about $11.7 billion, with a further $5 billion payable only if rival platforms sign comparable agreements — a maximum of $16.7 billion. Separately, the company would pay $75 million toward the states' legal costs and $459 million to settle older claims tied to the Cambridge Analytica data scandal. States are expected to spend the money on youth mental health programs, crisis lines, after-school activities and digital literacy, though final decisions rest with state legislatures. Nighttime block Within six months, teenage accounts would by default be locked out of Facebook and Instagram from midnight to 6:00 am local time. Messaging and settings would stay available but stripped down so teens cannot use them to reach the wider app. Push notifications would be switched off from 10:00 pm to 7