Manju and Fatima are both 65 years old and have a flourishing business. They decide to purchase a beach house and seek a 15-year mortgage. In this scenario, the lender ________blank. Multiple Choice may deny them credit based on their age and the possibility of their loss of income at retirement must grant them credit, but may limit the term of the mortgage to 15 years in recognition of their advanced age is prohibited by the Equal Credit Opportunity Act (ECOA) from denying them credit may deny them credit in accordance with the ECOA because their application, when compared to more youthful applicants, is not "equal