Whimsical Tropical Split-Screen Vacation

Goal: Create a humorous, ultra-realistic, cinematic vertical split-screen vacation fantasy image featuring the same cute young woman in both panels, with playful oversized beach props and vibrant tropical colors. Canvas: Vertical 2:3 image, divided into exactly 2 horizontal panels of equal height with a thin clean white divider line between them. Use bright midday sunlight, saturated turquoise water, warm golden sand, shallow depth of field, high-detail textures, and glossy cinematic realism. Top panel: On a tropical beach, show {argument name="character name" default="a young woman with long dark brown hair"} as a tiny, doll-like person clinging excitedly to an enormous fresh green coconut as if it is a giant beach house. She has a surprised open-mouth expression, sunglasses resting on her head, a pink floral crop top, loose white pants, and white sneakers with pink accents. The coconut is cut open at the top with white coconut flesh and splashing coconut water visible. Add exactly 4 coconut accessories: 1 pink paper cocktail umbrella stuck in the coconut, 1 blue bendy straw, 1 fresh mint sprig, and 1 small rope-and-wood ladder leaning against the coconut. The beach scene includes exactly 3 foreground decorative items: 1 orange starfish, 1 small pale seashell, and 1 pink striped seashell. In the background, include 1 elaborate sandcastle on the left, leaning palm trees, blue ocean waves, distant island mountains, and a bright blue sky with soft clouds. Bottom panel: Show the same woman lounging luxuriously on a huge yellow inflatable duck float in clear turquoise ocean water. She wears a straw sunhat, round dark sunglasses, the same pink floral top, high-waisted white shorts, and white sneakers with pink accents. Her pose is relaxed with both hands behind her head and legs stretched out. The inflatable duck has an orange beak and wears oversized black sunglasses. Include exactly 1 small fluffy kitten sitting on the float beside her, also wearing tiny dark sunglasses. Add exactly 1 small round wooden tray table on the float holding exactly 2 tropical drinks: 1 orange drink with an orange slice garnish and 1 pink-orange drink with a tiny pink umbrella and straw. Background shows sparkling sea, a palm-lined tropical resort shoreline with small huts, distant hazy land, and bright blue sky. Visual style: Ultra-realistic but whimsical forced-perspective comedy, crisp focus on the subjects, vibrant vacation postcard palette, detailed water reflections, realistic sand grains, playful luxury travel mood, no text, no logos, no watermark. Constraints: Keep exactly 2 panels, exactly 1 woman per panel, exactly 1 giant coconut in the top panel, exactly 1 yellow duck float in the bottom panel, exactly 1 kitten, exactly 2 drinks, and avoid adding extra characters or captions.