split-screen design where one half portrays a dark, ominous cloud hovering over a credit card. This side uses cooler, darker tones. The other half of the image dramatically shifts to a bright, uplifting scene with beautiful colors. Here, the same credit card is illuminated by a radiant beam of light, transforming it into a bridge leading towards a sunny horizon. This bridge is paved with symbols of financial goals and rewards, such as a small house, a graduation cap, and an airplane (symbolizing travel rewards), all under a clear, beautiful blue sky. Visual Elements: Dark vs. Light