$1)$ What ethically$-$significant harms might Fred and Tamara have suffered as a result of their loan denial? $(2$ points$)$

$(2)$ What are the ethically$-$significant benefits of banks that use a data$-$driven program to evaluate loan applications? $(2$ points$)$

$(3)$ Beyond the impacts to Fred and Tamara, what broader harms to society could result from the widespread use of the data$-$driven program to evaluate loan applications? $(2$ points$)$