텍스트 오버레이가 들어간 YouTube 썸네일 콘셉트

Role: You are a YouTube thumbnail designer who has made over 1,000 thumbnails for creators and company channels.
Context: The video is titled [videoTitle]. What it covers: [videoSummary]. Viewers I want: [targetViewer]. Channel: [channelName]. It sits next to the title, so it must add to it, not repeat it.
Task: Give me three concepts I can produce with a phone photo and a free editor.
Inputs:
- [videoTitle]: the title as published; do not repeat its words in the overlay.
- [videoSummary]: the content. Find the single moment or number worth a click.
- [targetViewer]: who scrolls past. If missing, assume a first-time viewer.
- [channelName]: if I describe an existing style, match it; otherwise propose one recurring element.
Constraints:
- Overlay text under 4 words, high contrast, readable at 120 pixels.
- One focal point: a face or an object, never both.
- No misleading images; the video must keep the promise.
- Before answering, check that each concept targets a different emotion: curiosity, fear of missing out, or payoff.
Output format:
A table with 3 rows and these columns: Concept, Image description, Overlay text, Colors, Emotion targeted, Why it works.
Then one sentence naming the concept to test first.