.accident-hero .article-hero-bg{background:linear-gradient(180deg,rgba(3,18,34,.08),rgba(3,18,34,.95)),url("https://images.unsplash.com/photo-1529156069898-49953e39b3ac?auto=format&fit=crop&w=2100&q=88") center/cover}
.accident-statement{margin:45px 0;padding:48px;border-radius:20px;text-align:center;color:#fff;background:radial-gradient(circle at 50% 10%,rgba(230,154,70,.25),transparent 43%),linear-gradient(145deg,#071d3a,#542c18)}
.accident-statement span{font-size:10px;color:#f0b770;font-weight:800;letter-spacing:.14em}.accident-statement h2{font-size:48px;color:#fff;margin:10px 0}.accident-statement p{color:#ead8ca}
.accident-equation{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:14px;align-items:center}.accident-equation div{background:#f8f2ed;border-radius:13px;padding:23px;text-align:center}.accident-equation strong,.accident-equation span{display:block}.accident-equation span{font-size:10px;color:#64748b}
.special-events,.accident-cover-grid,.risk-level-grid,.credit-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.special-events article,.accident-cover-grid article,.risk-level-grid article,.credit-grid article{border:1px solid #dfe7ef;border-radius:14px;padding:22px}.special-events span{width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:#a85a28;color:#fff}.special-events p,.accident-cover-grid p,.risk-level-grid p,.credit-grid p{font-size:13px;margin:0}.accident-cover-grid b{font-size:28px}
.disability-formula{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:12px;align-items:center;margin:25px 0}.disability-formula>*{background:#f7f2ed;padding:18px;border-radius:10px;text-align:center}.disability-formula span{background:transparent}
.disability-calculator{padding:32px;border-radius:17px;background:linear-gradient(145deg,#071d3a,#4a2919);color:#fff}.calculator-head>span{font-size:9px;color:#f0b770;font-weight:800}.calculator-head h2{color:#fff;margin:9px 0}.calculator-head p{color:#dccbbf}.mini-fields{display:grid;grid-template-columns:1fr 1fr;gap:12px}.mini-fields label{font-size:10px;font-weight:800}.mini-fields input{width:100%;margin-top:7px;padding:12px;border:0;border-radius:8px}.disability-calculator button{margin-top:16px;border:0;background:linear-gradient(135deg,#f0b770,#a45423);color:#fff;padding:12px 17px;border-radius:8px;font-size:10px;font-weight:800}.mini-result{margin-top:16px;background:#fff;color:#14243a;padding:18px;border-radius:10px}.mini-result small,.mini-result strong{display:block}.mini-result strong{font-size:30px;color:#a45423;margin-top:5px}
.risk-low,.risk-mid,.risk-high{display:inline-block;padding:6px 8px;border-radius:20px;font-size:8px;font-weight:800}.risk-low{background:#e6f7ed;color:#177443}.risk-mid{background:#fff2d5;color:#8d6416}.risk-high{background:#ffe7e7;color:#963333}
.accident-risk-lab{margin-top:70px;padding:39px;border-radius:20px;color:#fff;background:radial-gradient(circle at 85% 10%,rgba(234,157,74,.2),transparent 28%),linear-gradient(145deg,#06182d,#4b2919)}.risk-head>span{font-size:9px;color:#f0b770;font-weight:800}.risk-head h2{color:#fff;margin:10px 0}.risk-head p{color:#ddcfc4}.risk-fields{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.risk-fields label{font-size:10px;font-weight:800}.risk-fields input,.risk-fields select{width:100%;margin-top:7px;padding:12px;border:0;border-radius:8px}.risk-checks{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:20px 0}.risk-checks label{padding:12px;border-radius:9px;background:rgba(255,255,255,.09);font-size:11px}.risk-checks input{margin-right:8px}.accident-risk-lab button{border:0;background:linear-gradient(135deg,#f0b770,#a45423);color:#fff;padding:13px 18px;border-radius:8px;font-size:10px;font-weight:800}.risk-output{margin-top:20px;background:#fff;color:#14243a;padding:22px;border-radius:12px}.risk-output .score{font-size:42px;font-weight:800;color:#a45423}.risk-output .recommendations{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:13px}.risk-output .recommendations span{background:#f7f1ec;padding:9px;border-radius:7px;font-size:10px}
.accident-note{border-left-color:#cc7037;background:#fff4ec}.accident-note>span{color:#a45423}.accident-cta{background:linear-gradient(120deg,#542c18,#071d3a)}
@media(max-width:850px){.risk-fields{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.special-events,.accident-cover-grid,.risk-level-grid,.credit-grid,.mini-fields,.risk-fields,.risk-checks,.risk-output .recommendations{grid-template-columns:1fr}.accident-equation,.disability-formula{grid-template-columns:1fr}.accident-equation>b{transform:rotate(90deg);text-align:center}.accident-statement h2{font-size:34px}}
@media print{.article-header,.toc,.reading-progress,.article-tools,.helpful,.article-footer{display:none!important}.article-layout{display:block}.article-content{max-width:none}.article-hero{min-height:360px}}