<svg xmlns="http://www.w3.org/2000/svg" version="1.1" width="32" height="48" preserveAspectRatio="none">
  <defs>
    <clipPath id="upperClip">
      <rect width="100%" height="50%"/>
    </clipPath>
    <clipPath id="lowerClip">
      <rect y="50%" width="100%" height="50%"/>
    </clipPath>
  </defs>
  <rect x="0" y="0" width="32" height="48" fill="#808080" shape-rendering="crispEdges"/>
  <rect x="2" y="2" width="28" height="44" fill="#D0D0D0" shape-rendering="crispEdges" clip-path="url(#upperClip)"/>
  <rect x="2" y="2" width="28" height="44" fill="#C0C0C0" shape-rendering="crispEdges" clip-path="url(#lowerClip)"/>
</svg>