Earlier this week, Margaret Tennison, a 72-year-old retired manager, submitted a home improvement loan application for $20,000 to you (her loan officer). Tennison would like to build a swimming pool with the money. The loan would be secured by her home. She has requested a 20-year term at an interest rate of 6.5 percent. She currently has sufficient retirement income to handle monthly payments. Retirement income will end at her death. Her credit history is excellent. What would you, the lender, do?