When Jerry Markham and Marcia Harris became engaged, they found a house that they wanted to buy and jointly applied for a mortgage to Colonial Mortgage Service Company, an agent of Illinois Federal Savings and Loan Association. Three days before the closing date for the purchase of the house, the loan committee of Illinois Federal rejected the couple's loan application, claiming that their separate incomes were not sufficient to meet the bank's criteria for "loan and job tenure."Markham and Harris sued, claiming a violation of the ECOA, which forbids discrimination based on marital status when the creditworthiness of individuals is evaluated. Who won this case, and why?