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?