Create a stylized 3D character model inspired by Jack Frost. The character should have white hair, icy blue eyes, a light blue hoodie with frosty patterns, and brown pants. He should look youthful, magical, and friendly. The model must be in a neutral T-pose and fully rigged for animation, suitable for Unreal Engine 5. Output format should be FBX with clean topology, optimized for real-time rendering, and include textures. No background, use neutral studio lighting.