:root {
  --met-blue: #0090da;
  --met-dark: #0061a0;
  --met-navy: #001f5c;
  --met-green: #a4ce4e;
  --bg: #eef1f4;
  --card: #ffffff;
  --text: #1a2733;
  --muted: #667889;
  --border: #d9e0e7;
  --danger: #c0392b;
  --warn-bg: #fff4d6;
  --warn-tx: #8a6d00;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 15px;
  line-height: 1.45;
}

.topbar {
  position: sticky; top: 0; z-index: 20;
  display: flex; align-items: center; gap: 10px;
  padding: 12px 16px;
  background: #fff;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 4px rgba(0,0,0,0.04);
}
.brand-logo { height: 26px; width: auto; }
.brand-sep { color: var(--border); font-size: 22px; font-weight: 300; }
.brand-prod { color: var(--met-blue); font-size: 20px; font-weight: 700; letter-spacing: 0.3px; }

main { padding: 14px 12px 100px; max-width: 640px; margin: 0 auto; }

.hero { padding: 6px 4px 14px; }
.hero h1 { font-size: 22px; font-weight: 700; color: var(--met-navy); margin: 0 0 4px; line-height: 1.25; }
.hero-sub { color: var(--muted); font-size: 14px; margin: 0; }

.card {
  background: var(--card);
  border-radius: 14px;
  padding: 16px 15px;
  margin-bottom: 12px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.05);
}
.card h2 {
  font-size: 13px; font-weight: 700; margin: 0 0 12px;
  color: var(--met-dark); text-transform: uppercase; letter-spacing: 0.6px;
  border-bottom: 1px solid var(--border); padding-bottom: 7px;
}

label { display: block; margin-bottom: 11px; font-size: 13px; color: var(--muted); }
[hidden] { display: none !important; }

select, input[type="text"], input[type="number"] {
  display: block; width: 100%; padding: 11px 12px; margin-top: 4px;
  border: 1px solid var(--border); border-radius: 9px;
  font-size: 16px; background: #fff; color: var(--text);
  -webkit-appearance: none; appearance: none;
}
select {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path fill='%23667889' d='M6 8L0 0h12z'/></svg>");
  background-repeat: no-repeat; background-position: right 12px center; padding-right: 32px;
}
input:focus, select:focus { outline: none; border-color: var(--met-blue); box-shadow: 0 0 0 3px rgba(0,144,218,0.15); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }

.hint-row { display: flex; align-items: center; gap: 8px; }
.imc-badge {
  display: inline-block; padding: 3px 10px; border-radius: 20px;
  background: #eef6ec; color: var(--met-dark); font-weight: 600; font-size: 13px;
}
.imc-badge.warn { background: var(--warn-bg); color: var(--warn-tx); }

.plan-note { color: var(--muted); font-size: 13px; margin: 4px 0 0; }

.money-input { position: relative; margin-top: 4px; }
.money-sign {
  position: absolute; left: 12px; top: 50%; transform: translateY(-50%);
  color: var(--met-dark); font-weight: 700; font-size: 16px; pointer-events: none;
}
.money-input input {
  margin-top: 0; padding-left: 26px;
  font-size: 19px; font-weight: 700; color: var(--met-navy);
  font-variant-numeric: tabular-nums; letter-spacing: 0.2px;
}
.money-input input.invalid { border-color: var(--danger); box-shadow: 0 0 0 3px rgba(192,57,43,0.12); }
.hint { display: block; font-size: 12px; color: var(--muted); margin-top: 5px; }
.hint.err { color: var(--danger); }

.chips { display: flex; flex-wrap: wrap; gap: 7px; margin: 0 0 11px; }
.chips button {
  border: 1px solid var(--border); background: #fff; color: var(--met-dark);
  border-radius: 20px; padding: 7px 13px; font-size: 13px; font-weight: 600; cursor: pointer;
}
.chips button:active, .chips button.on { background: var(--met-blue); border-color: var(--met-blue); color: #fff; }

.cov-list { list-style: none; padding: 0; margin: 0; }
.cov-item { padding: 11px 4px; border-bottom: 1px solid var(--border); }
.cov-item:last-child { border-bottom: none; }
.cov-item.na { opacity: 0.55; }
.cov-row { display: flex; align-items: center; gap: 12px; }
.cov-item img { width: 38px; height: 38px; border-radius: 8px; flex: 0 0 auto; object-fit: contain; background: #f4f7fa; }
.cov-info { flex: 1; min-width: 0; }
.cov-name { font-weight: 600; font-size: 14px; color: var(--text); }
.cov-desc { font-size: 12px; color: var(--muted); }
.cov-toggle { flex: 0 0 auto; }
.cov-toggle input { width: 22px; height: 22px; accent-color: var(--met-blue); }
.cov-toggle { display: flex; align-items: center; gap: 7px; }
.cov-badge { font-size: 11px; font-weight: 700; white-space: nowrap; }
.cov-badge.ok { color: var(--met-blue); }
.cov-badge.na { color: var(--danger); background: #fdecea; padding: 3px 7px; border-radius: 5px; }

.cov-sa { margin: 9px 0 2px 50px; }
.cov-sa label { margin: 0; font-size: 12px; }
.money-input.sm input { font-size: 15px; padding: 8px 10px 8px 22px; }
.money-input.sm .money-sign { font-size: 14px; left: 9px; }
.cov-lim { display: block; font-size: 11px; color: var(--muted); margin-top: 3px; }
.money-input.sm input.invalid { border-color: var(--danger); box-shadow: 0 0 0 2px rgba(192,57,43,0.12); }

.seg { display: inline-flex; border: 1px solid var(--border); border-radius: 8px; overflow: hidden; }
.seg button {
  border: none; background: #fff; color: var(--met-dark);
  padding: 8px 18px; font-size: 13px; font-weight: 700; cursor: pointer;
}
.seg button.on { background: var(--met-blue); color: #fff; }

.result { border-top: 3px solid var(--met-blue); }
.result-hero {
  display: flex; flex-direction: column; align-items: center; gap: 2px;
  padding: 8px 0 14px;
}
.result-label { font-size: 13px; color: var(--muted); text-transform: uppercase; letter-spacing: 0.5px; }
.result-amount { font-size: 34px; font-weight: 800; color: var(--met-navy); font-variant-numeric: tabular-nums; }
.sa-total {
  display: flex; align-items: baseline; gap: 8px; margin-top: 10px;
  padding: 7px 16px; background: #eef6fb; border-radius: 20px;
}
.sa-label { font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: 0.5px; font-weight: 600; }
.sa-amount { font-size: 17px; font-weight: 700; color: var(--met-dark); font-variant-numeric: tabular-nums; }

.warn {
  display: flex; align-items: center; gap: 8px;
  background: var(--warn-bg); color: var(--warn-tx);
  padding: 9px 12px; border-radius: 8px; font-size: 13px; margin-bottom: 12px;
}
.warn-i { display: inline-flex; align-items: center; justify-content: center;
  width: 18px; height: 18px; border-radius: 50%; background: var(--warn-tx); color: #fff; font-weight: 700; font-size: 12px; }

.desglose { list-style: none; padding: 0; margin: 0 0 14px; }
.desglose li { display: flex; justify-content: space-between; padding: 6px 0; font-size: 14px; border-bottom: 1px solid #f0f3f6; font-variant-numeric: tabular-nums; }
.desglose li:last-child { border-bottom: none; }
.desglose li.total { font-weight: 700; color: var(--met-navy); border-top: 2px solid var(--met-dark); margin-top: 4px; padding-top: 8px; }
.desglose .lbl { color: var(--muted); }

.btn-primary {
  border: none; background: var(--met-blue); color: #fff;
  border-radius: 10px; padding: 13px; font-size: 15px; font-weight: 700; cursor: pointer;
}
.btn-primary:active { background: var(--met-dark); }
.btn-primary:disabled { opacity: 0.45; cursor: not-allowed; }
.btn-full { width: 100%; }

footer { text-align: center; color: var(--muted); font-size: 11px; padding: 12px; }