Dan, I was headed toward ECOA too but then it occurred to me that putting it all on one application could be really messy. The brothers, unlike the married applicants, have no common property, accounts, etc., so I can see doing this for the sake of clarity. Therefore, couldn't you argue that you were doing it this way to treat the non and married applicants the same by giving equal weight to all parties' assets and debits? Or would that still be a possible ECOA problem?