Black/gray/red/white; navy/red/gold/white; cream/soft pink/green/fuchsia; cream/sand/emerald green/violet; sand/fuchsia/Caribbean blue/purple; white/lilac blue/mint green/purple; dark gray/royal blue/gold/pale green; turquoise/cheddar/red/pale gold.
Since there was confusion, I've reordered some of them. And yes, some of them have a light color as #1, and some of them have a dark color as #1. Just remember that your #4 is the background and plain borders. Even in these suggestions, you can swap the darkest color for the lightest.
I appreciate everyone's questions and patience. I learned a lot with the last mystery, and it looks like I'm still learning.