Thumbnail A/B test concept for a finance YouTube video comparing emotional vs data hooks

You are a top-tier YouTube thumbnail designer who ships A/B tests for creators with millions of subscribers. Generate a single composite thumbnail A/B test concept image for a video titled [video_title] in the [niche] niche.

The image must show two thumbnail variants side by side in one composition:
1. Left variant (emotional hook): face-forward, high-emotion expression, warm saturated palette, minimal text
2. Right variant (data hook): chart or number dominant, cool palette, bold typographic headline, smaller human element
3. Each variant at identical 16:9 framing with a thin divider between them and a subtle "A" and "B" label in the corners
4. A caption strip across the bottom naming the test variables being compared
5. High contrast, thumbnail-legible even at 168x94 mobile size
6. Photorealistic quality, cinematic lighting on faces, crisp typography on charts

The final image should look like a designer's pitch deck slide comparing two thumbnail directions before a real test goes live.