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) The bank generally grants a loan if a customer scores 7 or more points. Mr. Bayyoud has an average credit rating, has been in his current job for three years and at his current residence for two years, has a telephone, but has no account at the bank. Can Mr. Bayyoud get the loan.

a. Yes, he can get the loan

b. No, he cannot get the loan