Art style: Felt Characters. Full-length view, the entire figure visible from head to feet, standing upright, figure centered with the room filling the sides. Penya is a comical, chubby creature embodying growing debts and anxiety — plump pear-shaped body about the size of a small child, soft rounded belly, stubby arms and short legs ending in flat splayed cartoon feet. Skin is a sickly mustard-yellow dotted with little red coin-shaped marks. Big worried eyes with heavy bags under them, thin arched eyebrows, a nervous crooked grin showing a gap tooth, slightly sweaty forehead. A wild tuft of frizzy brown hair sticks up. Arms clutch a messy bundle of overdue bills and a tiny padlock chain around the waist. Pushy but not scary posture, leaning forward as if nagging. Setting: a cluttered dim apartment corner with stacked papers. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 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: Cute handmade felt characters, plush rounded forms, visible stitching and seams, fuzzy textile texture, embroidered details, cozy storybook diorama aesthetic. Every surface, skin, fabric, material, and environmental element must be rendered in this idiom.
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