Bob Richardson has had three loan applicants this morning: "¢ Heather Smith, age 17, who needs a car loan for $9,500 for

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Bob Richardson has had three loan applicants this morning:
"¢ Heather Smith, age 17, who needs a car loan for $9,500 for 3 years
"¢ John Bako, age 42, who would like a stock loan for $15,000 for 1 year
"¢ Maynard Williams, age 70, recently retired, who needs a $50,000 home improvement loan for 12 years Bob's bank uses a judgmental credit evaluation system.
For which of these applications is Bob able to consider the age of the applicant as a factor in the decision making process?

A. All of them
B. None of them
C. Only Mr. Williams
D. Mr. Williams and Ms. Smith