determining JH|IH|T|ER|M|AX|N|IH|NG D|I|T|ER|M|AX|N|I|NG JH|I|T|ER|M|AX|N|I|NG D|IH|T|I R|M|AX|N|IH|NG JH|IH|T|I R|M|AX|N|IH|NG D|I|T|I R|M|AX|N|I|NG JH|I|T|I R|M|AX|N|I|NG whether W|I|DH|ER W|EH|D|ER W|I|D|ER W|EH|DH|I R W|I|DH|I R W|EH|D|I R W|I|D|I R to T|O make M|A|K a loan L|U|N