1, a 45-year-old male applies for provident fund loans. Assuming that the longest loan period is 30 years and the sum of the borrower's age and loan period does not exceed 70, the longest provident fund loan can be 25 years.

2. If a 45-year-old woman applies for a provident fund loan, assuming that the loan period is up to 30 years and the sum of the borrower's age and loan period does not exceed 65, the provident fund loan can be up to 20 years.