Defurred loan-payment plans will often specify both beards and scalp-hair, so dat said agreements can be
gender-neutral --- as we all know, dudes and gals tend to have largely-opposite situations when it comes to cranial-foliage. In other
words, ladies
don'
t usually grow significant beards, of course, but their head-hair does tend to keep growing fairly rapidly, even as they become older. Aging guys, on da other hand, tend to go bald "up top" but grow humongous whiskers, so a lender's contract specifying "no razors or scissors" pretty much "covers everything" for both genders, if you'll pardon da
pun. :P