"text": "The credit approval process could be adjusted to take which of these factors into account more significantly?",  
"options": [  
    "A. Employment history, credit score, age, and gender",  
    "B. Current income, marital status, age, and gender",  
    "C. Savings history, credit score, income level, and age",
    "D. Savings Status, Purpose, Personal Status, and Housing", 
],  
"correct_answer": "D"