Art style: Studio Ghibli. Compact loan office cubicle with privacy partition, computer monitor displaying approval screen, pen poised over signature line on a dense contract form. Tight two-shot framing desk between borrower and agent. Fluorescent ceiling lights in sterile white, shadows under eyes. Deceptively friendly, high-pressure vibe. Neutral beiges with stark black text contrasts. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ FINAL STYLE ENFORCEMENT (this is the authoritative rendering directive — it overrides any style wording elsewhere in the prompt): Render this image entirely in "Studio Ghibli" style. Match the lighting grammar, material response, colour science, level of realism / stylisation, line weight, and shading model typical of "Studio Ghibli". Keep the subject, composition, camera angle, lighting direction, and colour palette from the description above — but EVERY surface, skin, fabric, material, and environmental element must be rendered in the "Studio Ghibli" idiom, not in any other medium. Character appearance reference (MUST match exactly): - Alex: Portrait of a weary 28-year-old man with short tousled brown hair, stubbled jaw, tired hazel eyes with dark circles, furrowed brow showing stress. Medium athletic build, wearing faded graphic t-shirt, worn jeans, scuffed sneakers. Exhausted posture, hand rubbing temple in frustration. Subtle tattoos on forearm. Dramatic side lighting casting shadows on face emphasizing worry lines. Neutral gray background with faint money bill motifs. Cinematic realism, high detail, sharp focus, moody atmosphere. - Lender: Portrait of a slick 35-year-old man with perfectly gelled black hair, sharp cheekbones, piercing blue eyes, smug confident smile. Lean build, dressed in crisp button-up shirt untucked over slim trousers, gold watch glinting. Arrogant tilt to head, gesturing invitingly. Warm spotlight from above highlighting predatory gleam. Dark office backdrop with glowing neon 'CASH' sign. Photorealistic style, ultra-detailed textures, dynamic lighting, intense charismatic vibe.
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