Traditional underwriting to determine the risks associated with lending include credit scores, income, and employment history. The online lender ZestFinance used data analysis to find that people who fill out loan applications using all capital letters default more often than those who use all lower case letters. In addition, people who fill out the application using upper and lowercase letters accurately default at the lowest rate. Explain how to obtain and analyze data to determine whether the method used to fill out loan applications results in different default rates.