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rgba(15,31,61,.05)}.msme-v4 .faq-search input:focus{border-color:rgba(61,140,64,.4)}.msme-v4 .faq-search input:disabled{opacity:.65;cursor:not-allowed}.msme-v4 .faq-hero-art{display:flex;align-items:center;justify-content:center;min-height:140px}.msme-v4 .faq-hero-img{width:100%;max-width:340px;height:auto;max-height:200px;-o-object-fit:contain;object-fit:contain;display:block}.msme-v4 .faq-alert{margin-bottom:14px;padding:10px 12px;border-radius:10px;font-size:13px}.msme-v4 .faq-alert--error{color:#b91c1c;background:#fef2f2;border:1px solid #fecaca}.msme-v4 .faq-group{margin-bottom:1.5rem}.msme-v4 .faq-group:last-child{margin-bottom:0}.msme-v4 .faq-cat{display:inline-flex;align-items:center;gap:6px;margin-bottom:12px;padding:4px 10px;border-radius:999px;font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#1b5e20;background:var(--green-pale);border:1px solid rgba(61,140,64,.22)}.msme-v4 .faq-list{display:flex;flex-direction:column;gap:12px}.msme-v4 .faq-item{border-radius:12px;border:1px solid var(--border);background:var(--white);overflow:hidden;transition:border-color .15s ease,box-shadow .15s ease}.msme-v4 .faq-item:hover{border-color:#d0d7e2}.msme-v4 .faq-item.is-open{border-color:rgba(61,140,64,.28);box-shadow:0 0 0 1px rgba(61,140,64,.1)}.msme-v4 .faq-q{width:100%;display:flex;align-items:flex-start;justify-content:space-between;gap:14px;padding:14px 16px;text-align:left;background:transparent;border:0;cursor:pointer;color:var(--navy);font-size:.9rem;font-weight:600;line-height:1.4}.msme-v4 .faq-q:focus-visible{outline:2px solid var(--green);outline-offset:-2px}.msme-v4 .faq-q-icon{flex-shrink:0;width:28px;height:28px;border-radius:999px;display:inline-flex;align-items:center;justify-content:center;font-size:16px;font-weight:600;color:var(--green);background:var(--green-pale);border:1px solid rgba(61,140,64,.22)}.msme-v4 .faq-a{font-size:.875rem;line-height:1.65;color:var(--text-muted);white-space:pre-wrap;border-top:1px solid #eef1f5;padding:12px 16px 16px}.msme-v4 .faq-miss{padding:28px 16px;text-align:center;font-size:13px;color:var(--text-muted);background:var(--white);border:1px solid var(--border);border-radius:12px}.msme-v4 .faq-empty{display:grid;grid-template-columns:minmax(120px,.85fr) minmax(0,1.15fr);gap:20px;align-items:center;border:1.5px dashed #cfd6df;border-radius:16px;background:var(--white);padding:28px 24px}.msme-v4 .faq-empty-art{display:flex;align-items:center;justify-content:center;min-height:140px}.msme-v4 .faq-empty-mark{width:120px;height:120px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:64px;font-weight:700;color:#7aab6a;background:radial-gradient(circle at 40% 35%,#f3faf3 0,#e4f2e4 70%);border:1px solid rgba(61,140,64,.18)}.msme-v4 .faq-empty-copy{max-width:28rem}.msme-v4 .faq-empty-icon{width:40px;height:40px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:var(--green-pale);color:var(--green);margin-bottom:12px}.msme-v4 .faq-empty-title{font-size:1.15rem;font-weight:700;color:var(--navy);margin-bottom:8px}.msme-v4 .faq-empty-body{margin:0 0 16px;font-size:13.5px;line-height:1.5;color:var(--text-muted)}.msme-v4 .faq-empty-cta{display:inline-flex;align-items:center;gap:8px;padding:11px 16px;border-radius:10px;background:#2f6b32;color:#fff;font-size:13.5px;font-weight:600;text-decoration:none;transition:filter .15s ease}.msme-v4 .faq-empty-cta:hover{filter:brightness(1.06)}.msme-v4 .faq-empty-hint{margin-top:12px;font-family:Georgia,Times New Roman,serif!important;font-style:italic;font-size:13px;color:#6b7a6e}@media (max-width:720px){.msme-v4 .faq-hero{grid-template-columns:minmax(0,1fr);padding:18px 16px}.msme-v4 .faq-hero-art{order:-1}.msme-v4 .faq-hero-img{max-height:140px}.msme-v4 .faq-search{max-width:none}.msme-v4 .faq-empty{grid-template-columns:minmax(0,1fr);text-align:center;padding:22px 16px}.msme-v4 .faq-empty-copy{max-width:none;display:flex;flex-direction:column;align-items:center}.msme-v4 .faq-empty-mark{width:96px;height:96px;font-size:48px}}.msme-v4 .ntf-alert{border-radius:8px;padding:9px 13px;margin-bottom:12px;font-size:12.5px;line-height:1.45}.msme-v4 .ntf-alert--error{background:var(--red-pale);border:1px solid rgba(220,38,38,.24);color:#b91c1c}.msme-v4 .ntf-banner{position:relative;display:flex;align-items:stretch;justify-content:space-between;gap:16px;min-height:132px;padding:22px 24px 0;border-radius:14px;overflow:hidden;margin-bottom:14px;background:radial-gradient(circle at 85% 30%,rgba(56,189,248,.45) 0,transparent 50%),linear-gradient(135deg,#0c4a6e,#0369a1 38%,#0ea5e9 72%,#38bdf8);color:#e0f2fe}.msme-v4 .ntf-banner--sk{padding-bottom:22px;min-height:120px}.msme-v4 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