minimalist hand-drawn line illustration of an abstract credit analysis object, flat rectangular card with rounded corners, subtle wavy lines inside representing business signals, clean and calm composition, single continuous line style, uniform stroke weight, slightly imperfect human-drawn lines, monochrome warm gray lines on an off-white / cream background, editorial tech illustration, documentation-style visual, friendly system design, calm and confident tone, flat 2D appearance with a subtle suggestion of internal layers, no color, no shading, no gradients, no shadows, no textures, modern fintech product illustration, timeless and quiet intelligence, the line thickness is about a 4 out of 10