意外 (yì wài)
unexpected; accident; mishap; CL:個|个[ge4]
Character breakdown
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意 (Yì) · 13 strokes
Thought (意) is the sound (音) that comes from the mind (心). (Oversimplified for brevity. The 音 component in this character has a complicated history.)
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外 (wài) · 5 strokes
Phonosemantic compound. 卜 represents the meaning and 月 represents the sound.