Miriam and Ruth are each individually applying for an $8,000, 24-month personal
loan. Miriam and Ruth have FICO credit scores of 625 and 775, respectively, but
otherwise have similar loan applications. One of them was offered a 24-month loan
at a 12% annual interest rate, while the other was offered a 24-month loan at a
21% annual interest rate. Which person is more likely to have been offered which
loan?