Create a highly realistic and professional image representing 'Credit Score.' Focus on a physical credit report document placed prominently on a clean desk, with items like a calculator, pen, and neatly stacked papers nearby. Include subtle but clear details, such as a visible credit score range (e.g., 300-850) and graphical elements like a credit score gauge printed on the report. The setting should look modern and professional, with warm natural lighting streaming through a window in the background, evoking clarity and trust. The color palette should include neutral tones with subtle accents of blue and gold to maintain professionalism. No text should be included. --ar 16:9  --s 750