A bank statement with the wasteful charges circled in red marker — and your product as the purchase that ends the pattern.

Vertical 4:5 static ad in the style of a year-in-review money app share graphic: two rounded smartphone screens side by side floating on a soft mint background, with two oversized glossy emoji stickers overlapping the phones — a hugging smiley beside the left screen, a flame beside the right. Both screens run the same pastel-pink story card: a row of tiny progress dots across the top, a small grey close button, then centered content — the eyebrow line "You were in the top 10% for" in small dark sans, a rounded white merchant tile holding a simple flat coffee-cup icon, the merchant name "BEAN BARN" in small caps, and finally the roast in big bold friendly type. Left screen, exactly: "You kept the baristas in business." Right screen, exactly: "Back again before 9 a.m.?" Each screen carries a small share icon bottom-left and a slim home bar. Beneath both phones, one quiet lockup in dark sans, exactly: "[BRAND LINE — e.g. "Finva. Your money, gently judged."]". Cheerful fintech pastels played completely straight; the sting lives only in the copy. All text crisp and exactly spelled. No real banks, card networks, or streaming-wrapped branding, no hands, no watermark.