Apply — amount and plan

• Terms centre on 2/3/4×, not 3/6/12. 53.8% of all loans are 3× and 74% are 4× or fewer; the 'cicil sampai 24x' headline describes 0.6% of the book.
• The per-month figure is the decision, so it is what each card shows. Today the term is a radio list that expands a 7-column schedule table inline.
• Patient selector first — 16.9% of loans are already for someone else, and asking up front beats discovering it at the receipt stage.
• Admin fee and running total stay visible while the amount changes.
• Receipt upload is deferred, not blocking — it can follow the treatment.