YouTubeトーク — youtube money blocks

いまさら聞けない、お金の基本。：host at lower-left; title in three clear blocks; abstract paper shapes form a calm upward rhythm, not graphsを核にしたYouTubeトーク用バナー。

IMAGE MASTER PROMPT

Japanese 16:9 horizontal talk-show promotional banner and YouTube-ready thumbnail. Exact headline: 「いまさら聞けない、お金の基本。」. Exact program label: 「BEGINNER GUIDE」. Scene: Japanese financial educator at a simple desk, no charts with fake numbers. Distinct layout: host at lower-left; title in three clear blocks; abstract paper shapes form a calm upward rhythm, not graphs. Palette: soft gray, black, acid yellow. Contemporary professional Japanese editorial design, photorealistic anonymous Japanese adults, believable anatomy and natural expressions, strong mobile readability, exact legible Japanese headline, clear space for replacing guest name and episode details, controlled hierarchy, commercially usable. No real celebrity likeness, no logos, no watermark, no fake extra text, no jagged brush edges, no torn paper, no grunge, no neon glow, no clickbait arrows, no shocked-face cliché, no surreal effects.