Passing variables to create_contract

How would one pass in these values in create_contract?

balances seems to be more a map or a big map as explained here: How do I decide between using map, big_map, and record?.

Have a look at my first code

Now if balances is a big map:

sp.create_contract(
    ExampleContract, None, sp.tez(0), sp.record(owner=owner, balances=sp.big_map()))