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Universal Containers has the following requirements: 1. A custom Loan object requires Org-Wide Defaults set to Private. 2. The owner of the Loan record will be the Loan Origination Officer. 3. The Loan record must be shared with a specific Underwriter on a loan-by-loan basis. 4. The Underwriters should only see the Loan records for which they are assigned. What should the Architect recommend to meet these requirements?