Jasminder is creative and smart, whereas gemma tends to take initiative and does better in school. which woman is most likely the night owl?

Given the traits mentioned it is "Jasminder" who is most likely the night owl.

Night owls tend to feel most spirited just before they sleep at night. Some night owls have an inclination or propensity for remaining up late, or remain up to work the night shift. Some examination has discovered that night owls are more savvy and imaginative, creative and more prone to land lucrative positions than larks who normally gets up early.

the branch of biology that deals with the normal functions of living organisms and their parts.

the way in which a living organism or bodily part functions.