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Recognizing that bad luck happens to the best of us, the Swedish insurance company If has created the Bad Luck-O-Meter, an online test designed by Stockholm-based agency Forsman & Bodenfors to educate consumers about proper safety awareness. The test takes about 10 minutes to complete and is highly interactive, using colorful graphics and nifty animations to quiz users on the best places to put fire alarms in your house, which insects are the biggest pests, the proper way to install child car seats and more. Those who complete the test are rewarded with a neat chart of their results, as well as information about If's various services for combating bad luck.