Art style: 3D Pixar. Full-length view, the entire figure visible from head to feet, standing upright, centered — a grotesquely enormous, towering man personifying "The Mortgage," a crushing thirty-year debt obligation. He has a massive barrel chest, swollen double chin, thick neck, broad fleshy shoulders and huge meaty hands. His face is smug and predatory with small greedy eyes, arched eyebrows, slicked-back silver-grey hair and a sly condescending smirk. He wears an immaculate, expensively tailored pure-white three-piece suit with a white waistcoat, glossy white silk tie and a white pocket square; chunky gold rings crowd every finger, a heavy gold watch and gold cufflinks glint. White patent-leather dress shoes polished to a mirror shine. He looms forward, looking down from above with a mocking gaze, one hand smoothing his lapel. Setting: a cold corporate skyscraper lobby with marble floors and glass walls. No text, no watermark. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ FINAL STYLE ENFORCEMENT (this is the authoritative rendering directive — it overrides any style wording elsewhere in the prompt): Render this image in the following art style: Pixar-style 3D computer animation (Pixar / Disney feature-film look) — fully volumetric 3D rendering with rounded dimensional forms, soft subsurface-scattering skin, physically based materials, soft global illumination, warm cinematic key light, gentle depth of field, vibrant family-friendly colours. CRITICAL: EVERY element — characters, foliage, trees, animals, water, sky, props and the entire environment — must be rendered as polished 3D CGI with real depth and form. This is NOT flat 2D illustration, NOT a watercolour or storybook painting, NOT cel-shaded anime. Every surface, skin, fabric, material, and environmental element must be rendered in this idiom.
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