James Smithern has asked for a $3,500 loan from Beard Center National Bank to repay some personal expenses. The bank uses a credit-scoring system to evaluate such requests, which contains the following discriminating factors along with their associated point weights in parentheses:
Credit Rating (excellent 3; average 2; poor or no record 0)
Time in Current Job (five years or more, 6; one to five years, 3)
Time at Current Residence (more than 2 years, 4; one to two years, 2; less than one year, 1)
Telephone in Residence (yes, 1; no, 0)
Holds Account at Bank (yes, 2; no, 0)