Create bright professional realistic travel budgeting photo for over-50 U.S. readers, sunny kitchen table with calculator, blank budgeting notebook, travel guide, laptop and passport wallet, tastefully warm ivory and teal, landscape magazine photo. Add ACTUAL baked in exact crisp WHITE English words on solid deep navy wide panel in lower 28%: big heading ‘CHECK THE FULL TRIP COST’, small line ‘TRANSPORT • HOTEL • MEALS • BACKUP’. 12% safe margins, fully legible at mobile width, no false numerical quotes, no extra words, no watermark, no brands.