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A cinematic 2x2 storyboard collage in a 1:1 square composition, divided into exactly four equal panels separated by thin white gutters, depicting a dramatic narrative titled [Zero Balance Despair]. Across all panels, maintain strict continuity of the same character: a young adult Japanese businessman with [messy black hair, navy suit, white dress shirt, loosened navy tie, brown dress shoes, silver wristwatch, brown leather shoulder bag]. His face is consistently obscured in every frame with a soft rectangular mosaic blur for anonymity.

Panel 1 (Top-Left): Inside a bank ATM kiosk. The ATM screen clearly displays a large red "0" on a pale blue background. The businessman stands close to the terminal, shoulders tense, overwhelmed by shock.
Panel 2 (Top-Right): At a modern bank service counter with glass dividers. The businessman leans forward, gesturing desperately with open hands toward a female clerk in a navy uniform.
Panel 3 (Bottom-Left): Outside the bank entrance in bright daylight. A blue sign above the glass entrance reads "[BANK]". On the sidewalk, the businessman throws his arms upward in utter panic, jacket open and tie undone.
Panel 4 (Bottom-Right): In a tranquil urban park. The businessman sits completely slumped on a wooden bench, head bowed in defeat, arms hanging loose, with his brown leather bag beside him amidst dappled foliage.

Visual style: Photorealistic Japanese television drama still, natural depth of field, sharp fabric textures, realistic Japanese city environment, authentic dramatic lighting.

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