Design a photo-realistic image of a 65-year-old male from New Zealand in a formal business setting. His facial features include a fair complexion with a slightly pink undertone, an oval-shaped face, and high cheekbones. The character's eyes are almond-shaped and strikingly blue, framed by long, dark eyelashes, with well-groomed, medium brown eyebrows. His short, neatly combed back gray hair complements his strong jawline and prominent cheekbones. He should be dressed in a formal outfit, featuring a light-colored shirt, dark cardigan, and a high-collared jacket or suit. The expression should be a gentle smile with a serious undertone. The background should be plain or slightly blurred, focusing on the man's face, highlighting his natural skin and authentic facial features.