:root {
  --nfv4-bg: #f4f4f5;
  --nfv4-surface: #ffffff;
  --nfv4-primary: #86813c;
  --nfv4-primary-light: #a49e49;
  --nfv4-accent: #3429a6;
  --nfv4-text: #1a1a1a;
  --nfv4-text-mut: #6b7280;
  --nfv4-border: #e5e7eb;
  --nfv4-radius-sm: 12px;
  --nfv4-radius-md: 16px;
  --nfv4-radius-lg: 24px;
  --nfv4-font-head: 'Kanit', sans-serif;
  --nfv4-font-body: 'Inter', sans-serif;
}
* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}
body, html {
  background-color: var(--nfv4-bg);
  color: var(--nfv4-text);
  font-family: var(--nfv4-font-body);
  font-size: 15px;
  line-height: 1.6;
  overflow-x: hidden;
  width: 100%;
}
a {
  text-decoration: none;
  color: inherit;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}

.nfv4-container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.nfv4-header {
  background-color: var(--nfv4-surface);
  border-bottom: 4px solid var(--nfv4-primary);
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}
.nfv4-header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 70px;
  padding-top: 10px;
  padding-bottom: 10px;
  flex-wrap: wrap;
  gap: 16px;
}
.nfv4-logo {
  font-family: var(--nfv4-font-head);
  font-size: 28px;
  font-weight: 800;
  color: var(--nfv4-accent);
  text-transform: uppercase;
  letter-spacing: 1px;
}
.nfv4-nav {
  display: flex;
  gap: 24px;
  overflow-x: auto;
  white-space: nowrap;
  max-width: 100%;
  padding-bottom: 4px;
  -webkit-overflow-scrolling: touch;
}
.nfv4-nav-link {
  font-weight: 600;
  font-size: 15px;
  color: var(--nfv4-text);
  transition: color 0.2s ease;
}
.nfv4-nav-link:hover {
  color: var(--nfv4-primary);
}

.nfv4-ticker-wrap {
  display: flex;
  align-items: center;
  background: var(--nfv4-accent);
  color: #fff;
  height: 44px;
  overflow: hidden;
  position: relative;
}
.nfv4-ticker-label {
  background: var(--nfv4-primary);
  font-family: var(--nfv4-font-head);
  font-weight: 600;
  padding: 0 20px;
  display: flex;
  align-items: center;
  height: 100%;
  position: absolute;
  left: 0;
  z-index: 2;
  font-size: 14px;
}
.nfv4-ticker-track {
  display: inline-flex;
  white-space: nowrap;
  padding-left: 100vw;
  animation: nfv4-scroll 30s linear infinite;
}
.nfv4-ticker-item {
  display: inline-flex;
  align-items: center;
  margin-right: 40px;
  font-size: 14px;
  font-weight: 500;
}
.nfv4-ticker-dot {
  width: 8px;
  height: 8px;
  background: #ffde00;
  border-radius: 50%;
  margin-right: 10px;
}
@keyframes nfv4-scroll {
  0% { transform: translate3d(0, 0, 0); }
  100% { transform: translate3d(-100%, 0, 0); }
}

.nfv4-main {
  padding: 40px 0;
  display: flex;
  flex-direction: column;
  gap: 56px;
}

.nfv4-hero-section {
  margin-bottom: 20px;
}
.nfv4-hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 32px;
  background: var(--nfv4-surface);
  border-radius: var(--nfv4-radius-lg);
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(0,0,0,0.08);
  align-items: center;
}
.nfv4-hero-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 400px;
}
.nfv4-hero-content {
  padding: 40px 40px 40px 0;
}
.nfv4-hero-title {
  font-family: var(--nfv4-font-head);
  font-size: 36px;
  line-height: 1.2;
  color: var(--nfv4-accent);
  margin-bottom: 16px;
  text-transform: uppercase;
}
.nfv4-hero-desc {
  color: var(--nfv4-text-mut);
  margin-bottom: 32px;
  font-size: 16px;
}
.nfv4-stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.nfv4-stat-box {
  background: var(--nfv4-bg);
  padding: 16px;
  border-radius: var(--nfv4-radius-sm);
  text-align: center;
  border: 1px solid var(--nfv4-border);
}
.nfv4-stat-num {
  display: block;
  font-family: var(--nfv4-font-head);
  font-size: 24px;
  color: var(--nfv4-primary);
}
.nfv4-stat-label {
  font-size: 12px;
  color: var(--nfv4-text-mut);
  font-weight: 600;
  text-transform: uppercase;
}

.nfv4-section-title {
  font-family: var(--nfv4-font-head);
  font-size: 28px;
  color: var(--nfv4-text);
  margin-bottom: 24px;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  gap: 12px;
}
.nfv4-section-title::before {
  content: '';
  display: inline-block;
  width: 8px;
  height: 28px;
  background: var(--nfv4-primary);
  border-radius: 4px;
}

.nfv4-benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.nfv4-benefit-card {
  background: var(--nfv4-surface);
  padding: 24px;
  border-radius: var(--nfv4-radius-md);
  box-shadow: 0 4px 15px rgba(0,0,0,0.04);
  border-top: 4px solid var(--nfv4-accent);
}
.nfv4-benefit-title {
  font-size: 18px;
  font-weight: 600;
  margin-bottom: 12px;
  color: var(--nfv4-accent);
}
.nfv4-benefit-desc {
  font-size: 15px;
  color: var(--nfv4-text-mut);
}

.nfv4-filter-chips {
  display: flex;
  gap: 12px;
  margin-bottom: 32px;
  overflow-x: auto;
  padding-bottom: 8px;
  -webkit-overflow-scrolling: touch;
}
.nfv4-chip {
  background: var(--nfv4-surface);
  border: 1px solid var(--nfv4-border);
  padding: 8px 20px;
  border-radius: 30px;
  font-family: var(--nfv4-font-body);
  font-size: 14px;
  font-weight: 500;
  color: var(--nfv4-text-mut);
  cursor: pointer;
  transition: all 0.3s ease;
  white-space: nowrap;
}
.nfv4-chip:hover, .nfv4-chip-active {
  background: var(--nfv4-primary);
  color: #fff;
  border-color: var(--nfv4-primary);
}

.nfv4-masonry-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 24px;
}
.nfv4-card {
  background: var(--nfv4-surface);
  border-radius: var(--nfv4-radius-md);
  overflow: hidden;
  box-shadow: 0 6px 16px rgba(0,0,0,0.06);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  display: flex;
  flex-direction: column;
}
.nfv4-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 24px rgba(0,0,0,0.1);
}
.nfv4-card-img-wrap {
  position: relative;
  padding-top: 65%;
  overflow: hidden;
}
.nfv4-card-img-wrap img {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.nfv4-card-badge {
  position: absolute;
  top: 12px;
  right: 12px;
  background: var(--nfv4-accent);
  color: #fff;
  font-size: 12px;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 8px;
  z-index: 2;
}
.nfv4-card-body {
  padding: 20px;
  flex-grow: 1;
}
.nfv4-card-title {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--nfv4-text);
}
.nfv4-card-sub {
  font-size: 14px;
  color: var(--nfv4-text-mut);
}

.nfv4-steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}
.nfv4-step-item {
  background: var(--nfv4-surface);
  padding: 24px;
  border-radius: var(--nfv4-radius-md);
  text-align: center;
  position: relative;
}
.nfv4-step-num {
  width: 48px;
  height: 48px;
  background: var(--nfv4-primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--nfv4-font-head);
  font-size: 24px;
  margin: 0 auto 16px auto;
}
.nfv4-step-title {
  font-size: 18px;
  margin-bottom: 12px;
}
.nfv4-step-desc {
  font-size: 14px;
  color: var(--nfv4-text-mut);
}

.nfv4-tabs-container {
  background: var(--nfv4-surface);
  border-radius: var(--nfv4-radius-lg);
  overflow: hidden;
  box-shadow: 0 4px 15px rgba(0,0,0,0.04);
}
.nfv4-tabs-nav {
  display: flex;
  border-bottom: 1px solid var(--nfv4-border);
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.nfv4-tab-btn {
  flex: 1;
  background: none;
  border: none;
  padding: 20px;
  font-family: var(--nfv4-font-head);
  font-size: 16px;
  color: var(--nfv4-text-mut);
  cursor: pointer;
  transition: all 0.2s;
  white-space: nowrap;
  min-width: 150px;
}
.nfv4-tab-btn.nfv4-tab-active {
  color: var(--nfv4-accent);
  box-shadow: inset 0 -3px 0 var(--nfv4-accent);
  background: rgba(52, 41, 166, 0.03);
}
.nfv4-tab-content {
  padding: 32px;
}
.nfv4-tab-panel {
  display: none;
  animation: nfv4-fade 0.4s ease;
}
.nfv4-tab-panel.nfv4-tab-active {
  display: block;
}
.nfv4-tab-panel h3 {
  color: var(--nfv4-accent);
  margin-bottom: 16px;
  font-size: 20px;
}
@keyframes nfv4-fade {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.nfv4-payment-desc {
  margin-bottom: 16px;
  color: var(--nfv4-text-mut);
}
.nfv4-payment-methods {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.nfv4-pay-chip {
  background: var(--nfv4-bg);
  border: 1px dashed var(--nfv4-primary-light);
  padding: 10px 16px;
  border-radius: var(--nfv4-radius-sm);
  font-size: 14px;
  font-weight: 600;
  color: var(--nfv4-text);
}

.nfv4-breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 13px;
  margin-bottom: 24px;
  color: var(--nfv4-text-mut);
}
.nfv4-crumb-link {
  color: var(--nfv4-primary);
  font-weight: 500;
}
.nfv4-crumb-link::after {
  content: '/';
  margin-left: 8px;
  color: var(--nfv4-text-mut);
}
.nfv4-crumb-link:last-child::after {
  display: none;
}
.nfv4-crumb-link:last-child {
  color: var(--nfv4-text-mut);
  pointer-events: none;
}

.nfv4-page-header {
  text-align: center;
  margin-bottom: 40px;
}
.nfv4-page-title {
  font-family: var(--nfv4-font-head);
  font-size: 40px;
  color: var(--nfv4-accent);
  margin-bottom: 16px;
  text-transform: uppercase;
}
.nfv4-meta-desc {
  font-size: 18px;
  color: var(--nfv4-text-mut);
  max-width: 800px;
  margin: 0 auto;
}

.nfv4-article {
  background: var(--nfv4-surface);
  padding: 40px;
  border-radius: var(--nfv4-radius-lg);
  box-shadow: 0 4px 20px rgba(0,0,0,0.03);
}
.nfv4-article h2, .nfv4-article h3, .nfv4-article h4 {
  font-family: var(--nfv4-font-head);
  color: var(--nfv4-accent);
  margin: 1.5em 0 0.8em 0;
  line-height: 1.3;
}
.nfv4-article h2 {
  font-size: 28px;
  border-bottom: 2px solid var(--nfv4-bg);
  padding-bottom: 10px;
}
.nfv4-article h3 { font-size: 22px; }
.nfv4-article p {
  margin-bottom: 1.2em;
  font-size: 16px;
  color: var(--nfv4-text);
}
.nfv4-article ul, .nfv4-article ol {
  margin: 0 0 1.2em 1.5em;
}
.nfv4-article li {
  margin-bottom: 8px;
}
.nfv4-article table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5em 0;
  display: block;
  overflow-x: auto;
  white-space: nowrap;
}
.nfv4-article th, .nfv4-article td {
  padding: 12px 16px;
  border: 1px solid var(--nfv4-border);
  text-align: left;
}
.nfv4-article th {
  background: var(--nfv4-primary);
  color: #fff;
  font-weight: 600;
}
.nfv4-article blockquote {
  border-left: 4px solid var(--nfv4-primary);
  padding: 16px 20px;
  background: var(--nfv4-bg);
  margin: 1.5em 0;
  font-style: italic;
  border-radius: 0 var(--nfv4-radius-sm) var(--nfv4-radius-sm) 0;
}

.nfv4-faq-wrapper {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.nfv4-faq-item {
  background: var(--nfv4-surface);
  border: 1px solid var(--nfv4-border);
  border-radius: var(--nfv4-radius-sm);
  overflow: hidden;
}
.nfv4-faq-q {
  padding: 20px;
  font-weight: 600;
  font-size: 16px;
  cursor: pointer;
  background: var(--nfv4-surface);
  color: var(--nfv4-accent);
  list-style: none;
  position: relative;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.nfv4-faq-q::-webkit-details-marker {
  display: none;
}
.nfv4-faq-q::after {
  content: '+';
  font-size: 24px;
  color: var(--nfv4-primary);
  transition: transform 0.3s;
}
details[open] .nfv4-faq-q::after {
  transform: rotate(45deg);
}
.nfv4-faq-a {
  padding: 0 20px 20px;
  color: var(--nfv4-text-mut);
  border-top: 1px solid var(--nfv4-bg);
  margin-top: 10px;
  padding-top: 16px;
}

.nfv4-pager-wrap {
  display: flex;
  justify-content: space-between;
  gap: 16px;
}
.nfv4-pager-link {
  background: var(--nfv4-surface);
  padding: 12px 24px;
  border-radius: 30px;
  font-weight: 600;
  color: var(--nfv4-primary);
  border: 2px solid var(--nfv4-primary);
  transition: all 0.3s;
}
.nfv4-pager-link:hover {
  background: var(--nfv4-primary);
  color: #fff;
}

.nfv4-footer {
  background: var(--nfv4-surface);
  border-top: 4px solid var(--nfv4-accent);
  padding: 60px 0 30px;
  margin-top: 40px;
}
.nfv4-footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.nfv4-footer-desc {
  margin-top: 16px;
  color: var(--nfv4-text-mut);
  max-width: 400px;
}
.nfv4-footer-title {
  font-family: var(--nfv4-font-head);
  font-size: 18px;
  margin-bottom: 20px;
  color: var(--nfv4-text);
}
.nfv4-footer-nav {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.nfv4-footer-nav a {
  color: var(--nfv4-text-mut);
  transition: color 0.2s;
  font-size: 15px;
}
.nfv4-footer-nav a:hover {
  color: var(--nfv4-primary);
}
.nfv4-footer-bottom {
  border-top: 1px solid var(--nfv4-border);
  padding-top: 24px;
  text-align: center;
}
.nfv4-legal {
  font-size: 12px;
  color: var(--nfv4-text-mut);
  margin-bottom: 12px;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}
.nfv4-copyright {
  font-size: 14px;
  font-weight: 600;
  color: var(--nfv4-accent);
}

.nfv4-anim {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}
.nfv4-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 900px) {
  .nfv4-hero-grid {
    grid-template-columns: 1fr;
  }
  .nfv4-hero-content {
    padding: 24px;
  }
  .nfv4-hero-visual img {
    min-height: 250px;
  }
  .nfv4-footer-grid {
    grid-template-columns: 1fr;
  }
}
@media (max-width: 600px) {
  .nfv4-stats-row {
    grid-template-columns: 1fr;
  }
  .nfv4-article {
    padding: 24px 16px;
  }
  .nfv4-page-title {
    font-size: 28px;
  }
  .nfv4-hero-title {
    font-size: 28px;
  }
  .nfv4-ticker-label {
    font-size: 12px;
    padding: 0 10px;
  }
  .nfv4-logo {
    font-size: 22px;
  }
}