Ann, Bob, Chris and Dave apply for the same loan amount. Assuming that the only two factors that make a difference in their loan applications are loan-to-value ratio (LTV) and discount points (DPs), who is most likely to be offered the highest rate on the mortgage and who is most likely to be offered the lowest such rate? Ann: LTV = 80, DPs = 3 Bob: LTV = 90, DPs = 3 Chris: LTV = 80, DPs = 2 Dave: LTV = 90, DPs = 2