Create a character inspired by the person in the reference image with realistic brown skin tone and natural facial features. Dress him in a chrome patterned hooded jacket with a matte metallic finish (less shiny). He holds a chrome brown money bag with a subtle matte metallic look in the correct hand, with realistic US dollar bills coming out. Add shiny, reflective chrome grills on his teeth and shiny, reflective chrome ski goggles on his head. Only the jacket and money bag are matte chrome; the grills and ski goggles are shiny chrome. The face and hands look natural. Background is transparent.emoji