Emergency Fund Tiers Finance Infographic Share Price Style

Finance infographic titled "Emergency Fund Tiers" using a RISK-RETURN scatter archetype for a first-time investor audience. Show a clean 2D scatter chart with horizontal axis labeled "Access speed / liquidity" and vertical axis labeled "Yield / risk trade-off", designed to explain where different emergency fund tiers may sit. Include 6 labeled blocks in English, each with a concept name, key number or time, and a one-line caption. Block 1: "Tier 1: Cash at home" — "Kč 5 000–10 000" — "Immediate access for short outages or urgent small expenses, example only." Block 2: "Tier 2: Daily spending account" — "1 month of essentials" — "Fast access for bills and routine emergencies, illustrative example only." Block 3: "Tier 3: High-liquidity savings" — "2–3 months of expenses" — "Core emergency buffer with low risk and easy withdrawal, example only." Block 4: "Tier 4: Reserve savings tier" — "3.0%–4.5% p.a." — "May offer slightly better yield with possible transfer delay, illustrative example only." Block 5: "Tier 5: Short-term term deposit" — "3–6 months" — "For secondary emergency reserves where some access delay is acceptable, example only." Block 6: "Target total emergency fund" — "3–6 months total" — "Common starter goal for income shocks and surprise costs, illustrative example only." Add a small side formula block with an illustrative calculation clearly marked non-forecast: "Illustrative example only: Monthly essentials Kč 25 000 × 4 months = Kč 100 000 emergency fund target." Add a small ranking note on the scatter: "Lower risk, higher liquidity" near the lower-left stable zone and "Higher yield, lower liquidity" toward the upper-right. Use realistic Czech koruna amounts, but clearly mark every amount and rate as "example only" or "illustrative example only." Visual style: vintage WSJ ink-line, editorial finance magazine illustration, clean chart aesthetics, vector-clean infographic layout. Color palette: navy ink lines, emerald highlights, off-white paper texture, restrained crosshatching, subtle engraved newspaper feel. Mood: trustworthy, educational, calm, beginner-friendly, practical. No real bank / brokerage logos, no specific stock tickers as recommendations, no crypto coin names, no fund brand names. All text MUST be written in English (array). Every heading, label, caption, legend and metric name in the image must be in English — not English. Spell each English word correctly using English characters and diacritics. Numbers stay as digits, no real bank / brokerage logos, no specific stock tickers as recommendations, no watermarks Example numbers labeled "illustrative" so readers do not treat them as forecasts. No real broker or bank logos. No specific stock tickers, crypto coins or fund names as buy recommendations.