:root {
  --npj0-bg: #0d0d12;
  --npj0-surface: #15151c;
  --npj0-primary: #775027;
  --npj0-accent: #192295;
  --npj0-text: #f0f0f5;
  --npj0-muted: #9ba0ab;
  --npj0-border: #262633;
  --npj0-radius: 2px;
  --npj0-font-head: 'Kanit', sans-serif;
  --npj0-font-body: 'Inter', sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html, body {
  margin: 0; padding: 0;
  background: var(--npj0-bg);
  color: var(--npj0-text);
  font-family: var(--npj0-font-body);
  font-size: 15px;
  line-height: 1.6;
  overflow-x: hidden;
  width: 100vw;
  max-width: 100%;
}
.npj0-container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 16px;
}
h1, h2, h3, h4 {
  font-family: var(--npj0-font-head);
  margin-top: 0;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
a { color: var(--npj0-text); text-decoration: none; }

/* Header */
.npj0-header {
  background: var(--npj0-surface);
  border-bottom: 2px solid var(--npj0-primary);
}
.npj0-header-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 16px;
  gap: 12px;
}
.npj0-logo {
  font-family: var(--npj0-font-head);
  font-size: 30px;
  color: var(--npj0-primary);
  text-shadow: 0 0 15px rgba(119, 80, 39, 0.4);
}
.npj0-nav {
  display: flex;
  gap: 12px;
  overflow-x: auto;
  width: 100%;
  justify-content: flex-start;
  padding-bottom: 4px;
  scrollbar-width: none;
}
.npj0-nav::-webkit-scrollbar { display: none; }
.npj0-nav-link {
  font-size: 14px;
  font-weight: 600;
  white-space: nowrap;
  padding: 6px 12px;
  background: rgba(255,255,255,0.03);
  border-radius: var(--npj0-radius);
  border: 1px solid var(--npj0-border);
  transition: background 0.3s;
}
.npj0-nav-link:hover { background: var(--npj0-primary); border-color: var(--npj0-primary); }

/* Ticker */
.npj0-ticker-wrap {
  background: var(--npj0-accent);
  color: #fff;
  padding: 8px 0;
  overflow: hidden;
  white-space: nowrap;
}
.npj0-ticker-track {
  display: inline-flex;
  gap: 40px;
  animation: npj0-scroll 25s linear infinite;
}
@keyframes npj0-scroll {
  0% { transform: translateX(100%); }
  100% { transform: translateX(-100%); }
}
.npj0-ticker-item {
  font-size: 13px;
  font-weight: 500;
  color: #fff;
}

/* Glass utility */
.npj0-glass {
  background: rgba(21, 21, 28, 0.8);
  backdrop-filter: blur(10px);
  border: 1px solid var(--npj0-border);
  border-radius: var(--npj0-radius);
}

/* Sections */
section { padding: 32px 0; }
.npj0-section-title {
  font-size: 22px;
  margin-bottom: 20px;
  border-left: 4px solid var(--npj0-primary);
  padding-left: 12px;
}

/* Hero */
.npj0-hero-section { padding-top: 24px; padding-bottom: 0; }
.npj0-hero-card {
  display: flex;
  flex-direction: column;
  overflow: hidden;
}
.npj0-hero-img-wrap img {
  width: 100%;
  height: auto;
  display: block;
  aspect-ratio: 16/9;
  object-fit: cover;
}
.npj0-hero-content {
  padding: 24px;
  background: linear-gradient(0deg, var(--npj0-surface) 0%, transparent 100%);
}
.npj0-hero-slogan {
  font-size: 24px;
  color: var(--npj0-primary);
  margin-bottom: 12px;
}
.npj0-hero-desc {
  font-size: 15px;
  color: var(--npj0-muted);
  margin: 0;
}

/* Stats */
.npj0-stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
.npj0-stat-item {
  text-align: center;
  padding: 16px;
}
.npj0-stat-val {
  font-size: 24px;
  font-weight: 700;
  color: var(--npj0-primary);
  font-family: var(--npj0-font-head);
}
.npj0-stat-lbl {
  font-size: 12px;
  color: var(--npj0-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-top: 4px;
}

/* Tabs */
.npj0-tabs-nav {
  display: flex;
  gap: 8px;
  border-bottom: 1px solid var(--npj0-border);
  margin-bottom: 24px;
  overflow-x: auto;
  scrollbar-width: none;
}
.npj0-tabs-nav::-webkit-scrollbar { display: none; }
.npj0-tab-btn {
  background: transparent;
  border: none;
  color: var(--npj0-muted);
  font-family: var(--npj0-font-head);
  font-size: 16px;
  padding: 12px 24px;
  cursor: pointer;
  border-bottom: 3px solid transparent;
  text-transform: uppercase;
}
.npj0-tab-btn.npj0-active {
  color: var(--npj0-primary);
  border-color: var(--npj0-primary);
}
.npj0-tab-panel { display: none; }
.npj0-tab-panel.npj0-active { display: block; }
.npj0-panel-title { font-size: 24px; margin-bottom: 16px; }
.npj0-panel-desc { font-size: 15px; color: var(--npj0-muted); margin-bottom: 20px; }

/* Filter Chips */
.npj0-filter-chips {
  display: flex;
  gap: 8px;
  margin-bottom: 24px;
  overflow-x: auto;
  padding-bottom: 4px;
  scrollbar-width: none;
}
.npj0-filter-chips::-webkit-scrollbar { display: none; }
.npj0-chip {
  font-size: 13px;
  padding: 6px 16px;
  background: var(--npj0-surface);
  border: 1px solid var(--npj0-border);
  border-radius: var(--npj0-radius);
  white-space: nowrap;
  cursor: pointer;
  transition: all 0.2s;
}
.npj0-chip.npj0-active {
  background: var(--npj0-primary);
  border-color: var(--npj0-primary);
  color: #fff;
}

/* Cards Grid */
.npj0-card-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
.npj0-card {
  display: flex;
  flex-direction: column;
  overflow: hidden;
  transition: box-shadow 0.3s ease, transform 0.3s ease;
}
.npj0-card:hover {
  box-shadow: 0 0 15px rgba(25, 34, 149, 0.5);
  transform: translateY(-2px);
  border-color: var(--npj0-accent);
}
.npj0-card-img img {
  width: 100%;
  height: 120px;
  object-fit: cover;
  display: block;
}
.npj0-card-body {
  padding: 12px;
  position: relative;
}
.npj0-badge {
  position: absolute;
  top: -12px;
  right: 8px;
  background: var(--npj0-accent);
  color: #fff;
  font-size: 12px;
  padding: 2px 10px;
  border-radius: var(--npj0-radius);
  font-weight: 600;
  text-transform: uppercase;
}
.npj0-card-title {
  font-size: 14px;
  font-weight: 600;
  color: #fff;
  margin-bottom: 4px;
  font-family: var(--npj0-font-head);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.npj0-card-sub {
  font-size: 12px;
  color: var(--npj0-muted);
}
.npj0-provider-card {
  padding: 24px;
  text-align: center;
  font-weight: 600;
  font-size: 15px;
  color: var(--npj0-text);
}

/* Benefits & Steps */
.npj0-benefits-grid, .npj0-steps-wrap {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
.npj0-benefit-item {
  padding: 24px;
  border-top: 3px solid var(--npj0-accent);
}
.npj0-benefit-title { font-size: 18px; margin-bottom: 12px; color: var(--npj0-primary); }
.npj0-benefit-desc { font-size: 14px; color: var(--npj0-text); margin: 0; }

.npj0-step {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
}
.npj0-step-num {
  width: 40px;
  height: 40px;
  background: var(--npj0-primary);
  color: #fff;
  font-family: var(--npj0-font-head);
  font-size: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--npj0-radius);
  flex-shrink: 0;
}
.npj0-step-text { font-size: 15px; margin-top: 8px; }

/* Payments */
.npj0-payment-list {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.npj0-pay-label {
  background: var(--npj0-surface);
  border: 1px solid var(--npj0-border);
  padding: 10px 20px;
  font-size: 13px;
  border-radius: var(--npj0-radius);
  font-weight: 500;
}

/* Article Content */
.npj0-article-content {
  background: var(--npj0-surface);
  padding: 24px;
  border-radius: var(--npj0-radius);
  border: 1px solid var(--npj0-border);
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 24px;
}
.npj0-article-content h2, .npj0-article-content h3 {
  color: var(--npj0-primary);
  margin-top: 24px;
  margin-bottom: 16px;
}
.npj0-article-content p, .npj0-article-content ul, .npj0-article-content ol {
  margin-bottom: 16px;
  font-size: 15px;
}
.npj0-article-content a {
  color: var(--npj0-accent);
  text-decoration: underline;
}
.npj0-article-content ul, .npj0-article-content ol {
  padding-left: 20px;
}
.npj0-article-content table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 16px;
}
.npj0-article-content th, .npj0-article-content td {
  border: 1px solid var(--npj0-border);
  padding: 12px;
  text-align: left;
}
.npj0-article-content th {
  background: var(--npj0-bg);
  color: var(--npj0-primary);
}

/* Inner Page specific */
.npj0-page { padding-top: 24px; }
.npj0-breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  padding-bottom: 24px;
  font-size: 13px;
  color: var(--npj0-muted);
}
.npj0-crumb-link { color: var(--npj0-primary); }
.npj0-crumb-link::after { content: '/'; margin-left: 8px; color: var(--npj0-muted); }
.npj0-crumb-link:last-child::after { content: ''; }

.npj0-page-header {
  padding: 32px 24px;
  text-align: center;
  margin-bottom: 32px;
  border-bottom: 3px solid var(--npj0-primary);
}
.npj0-page-title { font-size: 28px; margin-bottom: 12px; }
.npj0-meta-desc { font-size: 15px; color: var(--npj0-muted); margin: 0; }

/* FAQ Accordion */
.npj0-faq-list { display: flex; flex-direction: column; gap: 12px; }
.npj0-faq-item {
  background: var(--npj0-surface);
  border: 1px solid var(--npj0-border);
  border-radius: var(--npj0-radius);
}
.npj0-faq-q {
  padding: 16px 20px;
  font-weight: 600;
  font-family: var(--npj0-font-head);
  font-size: 16px;
  cursor: pointer;
  list-style: none;
  position: relative;
  color: var(--npj0-text);
}
.npj0-faq-q::-webkit-details-marker { display: none; }
.npj0-faq-q::after {
  content: '+';
  position: absolute;
  right: 20px;
  color: var(--npj0-primary);
  font-size: 20px;
}
.npj0-faq-item[open] .npj0-faq-q::after { content: '-'; }
.npj0-faq-a {
  padding: 0 20px 20px;
  font-size: 15px;
  color: var(--npj0-muted);
}

/* Pager */
.npj0-pager-wrap {
  display: flex;
  justify-content: space-between;
  margin: 32px 0;
  gap: 16px;
}
.npj0-pager-link {
  flex: 1;
  text-align: center;
  background: var(--npj0-surface);
  border: 1px solid var(--npj0-border);
  padding: 12px;
  font-size: 14px;
  font-weight: 600;
  border-radius: var(--npj0-radius);
  transition: all 0.3s;
}
.npj0-pager-link:hover { background: var(--npj0-primary); color: #fff; }

.npj0-related-content {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* Footer */
.npj0-footer {
  background: var(--npj0-surface);
  border-top: 1px solid var(--npj0-border);
  padding: 40px 0;
  text-align: center;
  margin-top: 40px;
}
.npj0-footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 20px;
  margin-bottom: 24px;
  font-size: 14px;
}
.npj0-footer-links a:hover { color: var(--npj0-primary); }
.npj0-legal-text {
  font-size: 12px;
  color: var(--npj0-muted);
  margin-bottom: 20px;
  line-height: 1.6;
}
.npj0-copyright {
  font-size: 13px;
  color: var(--npj0-primary);
  font-family: var(--npj0-font-head);
}

/* --- MEDIA QUERIES --- */

/* Tablet Breakpoint */
@media (min-width: 768px) {
  .npj0-header-inner { flex-direction: row; justify-content: space-between; padding: 16px 24px; }
  .npj0-nav { width: auto; max-width: 60%; }
  .npj0-hero-card { flex-direction: row; align-items: stretch; }
  .npj0-hero-img-wrap { width: 60%; }
  .npj0-hero-img-wrap img { aspect-ratio: 4/3; height: 100%; }
  .npj0-hero-content { width: 40%; display: flex; flex-direction: column; justify-content: center; background: var(--npj0-surface); border-left: 1px solid var(--npj0-border); }
  .npj0-stats-grid { grid-template-columns: repeat(4, 1fr); }
  .npj0-card-grid { grid-template-columns: repeat(3, 1fr); gap: 16px; }
  .npj0-card-img img { height: 140px; }
  .npj0-benefits-grid, .npj0-steps-wrap { grid-template-columns: repeat(3, 1fr); }
  .npj0-article-content { padding: 40px; }
  .npj0-page-header { padding: 40px; }
  .npj0-page-title { font-size: 36px; }
}

/* Desktop Breakpoint */
@media (min-width: 1024px) {
  .npj0-card-grid { grid-template-columns: repeat(4, 1fr); gap: 20px; }
  .npj0-card-img img { height: 160px; }
  .npj0-hero-img-wrap img { aspect-ratio: 21/9; }
  .npj0-nav-link { font-size: 15px; }
  .npj0-panel-title { font-size: 28px; }
  .npj0-provider-card { padding: 32px; font-size: 18px; }
}