Промпт (Nano Banana Pro, 1280×720):
"Modern flat vector illustration, bold cel-shaded 2D cartoon, YouTube thumbnail. Chris Harper (flat cartoon man, late 30s, short dark hair, stubble, thin black glasses, navy t-shirt) with a shocked/skeptical expression pointing at a giant cracked piggy bank labeled '401(k)' with a red warning sign. Bold flat colors, thick outlines, high contrast, simple background. NO 3D, NO photorealism. Leave empty space on the right third for text."
Текст поверх (добавить в редакторе, не генерировать): "−$400,000?" крупно красным + "THE 401(k) TRAP" белым.
Правила: максимум 3-4 слова текста, лицо Криса с эмоцией крупно, контраст фон/текст.
