42s • 9:16 • 1080×1920 • Full-bleed presenter + TPJG Tip + acronyms spelled out
V5 changes:
• True full-bleed presenter — Joseph fills the entire screen, zero card/border/margin
• Acronyms spelled out — DTI = debt-to-income ratio, with plain-language description
• TPJG TIP scene — The 3 C’s (Credit, Capital, Compensation) = purchasing power
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