.life-hero .article-hero-bg{background:linear-gradient(180deg,rgba(4,19,37,.08),rgba(4,19,37,.94)),url("https://images.unsplash.com/photo-1511895426328-dc8714191300?auto=format&fit=crop&w=2100&q=88") center/cover}
.life-statement{margin:45px 0;padding:48px;border-radius:20px;text-align:center;color:#fff;background:radial-gradient(circle at 50% 15%,rgba(215,166,93,.22),transparent 42%),linear-gradient(145deg,#071d3a,#40321f)}
.life-statement span{font-size:10px;color:#e0b26e;font-weight:800;letter-spacing:.14em}.life-statement h2{color:#fff;margin:10px auto;font-size:44px;max-width:850px}.life-statement p{color:#ddd3c5}
.life-compare{overflow:auto;border:1px solid #dfe7ef;border-radius:14px}.life-compare table{width:100%;border-collapse:collapse}.life-compare th{background:#372a1b;color:#fff;padding:15px;text-align:left}.life-compare td{padding:14px;border-bottom:1px solid #e4e9ee;font-size:13px}
.life-product-grid,.protection-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.life-product-grid article,.protection-grid article,.role-grid article,.credit-rights article{border:1px solid #dfe7ef;border-radius:14px;padding:22px;transition:.25s}.life-product-grid article:hover,.protection-grid article:hover{transform:translateY(-4px);box-shadow:0 15px 30px rgba(70,48,20,.08)}.life-product-grid span{color:#a4732c;font-weight:800}.protection-grid b{font-size:28px}.life-product-grid p,.protection-grid p,.role-grid p,.credit-rights p{font-size:13px;margin:0}
.accident-definition{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:14px;align-items:center}.accident-definition>div{background:#f6f3ee;border-radius:13px;padding:22px;text-align:center}.accident-definition strong,.accident-definition span{display:block}.accident-definition span{font-size:10px;color:#64748b}
.role-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.role-grid strong{color:#8f6426}
.coverage-formula{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;gap:9px;align-items:center}.coverage-formula>div{background:#f5f3ef;border-radius:12px;padding:18px;text-align:center}.coverage-formula strong,.coverage-formula span{display:block}.coverage-formula span{font-size:10px;color:#64748b}
.life-calculator{margin-top:70px;padding:39px;border-radius:20px;color:#fff;background:radial-gradient(circle at 85% 10%,rgba(216,169,93,.2),transparent 28%),linear-gradient(145deg,#06182d,#4b3922)}.calculator-head>span{font-size:9px;color:#e0b26e;font-weight:800}.calculator-head h2{color:#fff;margin:10px 0}.calculator-head p{color:#d8d0c5}.life-fields{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.life-fields label{font-size:10px;font-weight:800}.life-fields input,.life-fields select{width:100%;margin-top:7px;padding:12px;border:0;border-radius:8px}.life-calculator button{margin-top:18px;border:0;background:linear-gradient(135deg,#e0b26e,#936521);color:#fff;padding:13px 18px;border-radius:8px;font-size:10px;font-weight:800}.life-result{margin-top:20px;padding:22px;background:#fff;color:#14243a;border-radius:12px}.life-result small,.life-result strong{display:block}.life-result strong{font-size:35px;color:#946723;margin:7px 0}
.credit-rights{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.credit-rights strong{color:#805b25}
.life-note{border-left-color:#c69243;background:#fff8e9}.life-note>span{color:#946723}.life-cta{background:linear-gradient(120deg,#4b3922,#071d3a)}
@media(max-width:800px){.life-product-grid,.protection-grid,.life-fields{grid-template-columns:1fr 1fr}.accident-definition,.coverage-formula{grid-template-columns:1fr}.accident-definition>b,.coverage-formula>b{transform:rotate(90deg);text-align:center}.role-grid{grid-template-columns:1fr}}
@media(max-width:620px){.life-product-grid,.protection-grid,.life-fields,.credit-rights{grid-template-columns:1fr}.life-statement h2{font-size:33px}}
@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}}