mortgage brokers arent nearly as regulated as big lenders. same situation as insurance companies who dont engage in redlining 'officially'.
whether it's being done by the entity at the top or someone a few rungs down is really a moot point to the victim isnt it?
thanks. it's mighty white of you to say so.
minorities don't avail themselves of decent healthcare because they have an early death wish? the following is excerpted from 'Mortality Outlook: An Overview of African-American Health' by chiquita collins, published by the university of michigan. the disparity between white males and black males charted in this report was 8.2 years; white women to black women was 5.8 years (National Center for Health Statistics:. Health, United States, 1992. Table 27, pg. 44. Hyattsville, Maryland: Public Health Service, 1993)
Overall, African Americans more so than white Americans have higher incidence rates of mortality. Not only has the gap widened for overall mortality, the gap has widened tremendously for specific causes of death such as homicide and injury related mortality. In summary, African Americans in the United States suffer a greater disadvantage concerning their health outcomes compared to whites. High rates of mortality are higher for blacks among the late adolescent and early adulthood age groups than blacks of older age groups. In fact, mortality rates are only lower among blacks at the oldest ages of the life span when compared to whites. This phenomenon is commonly termed as the "mortality crossover."
Many have discredited the mortality crossover, stating that it is merely due to misreporting of ages at the oldest ages. Despite the controversy over the mortality crossover, there is reason to suggest that certain determinants are influencing African Americans at earlier ages during their life span that can explain this phenomenon. Socioeconomic status, whether measured by income, education, employment, occupation, poverty or wealth, traditionally has been one of the strongest determinants of variations in health in the general population (Kitagawa & Hauser, 1973; Haan & Kaplan, 1986; Feldman, et al 1989).
However, race also has an effect on health which is independent of its relationship with socioeconomic status. African Americans are more likely to receive inferior medical care as a result of their lower socioeconomic status and exposure to continued racial discrimination in the quality and quantity of health care services. Many important questions are raised regarding differential health that need to be addressed in the context of the ways in which racism affects mortality. Without primary policy efforts aimed at minority and ethnic populations for specific causes of death, we can not optimistically believe that racial mortality differentials will be reduced or eliminated anytime soon.
in fact, its just the opposite.
ive utilized too much of this thread already validating my original one-phrase statements and there's a plethora of research available offline and online demonstrating that while stereotypes may influence reality, they contradict objective observed behavior.
if, instead of assuming things were better, youd taken a minute to check the cdc's most recent data (which was updated in 2003 and 2004, but is still based on the years 1990-2001 (im using 1999 because its the last year that isnt going to be changed), youd have seen there is still a significant difference. a white male born in 1999 has an expected lifespan of 74.6 years vs a black male's els of 67.8, a difference of 6.8 years; white female born in 1999 has an els of 79.9 vs a black female els of 75.4, for 4.5 years.
Like I said, there just aren't enough trolling ratings in a day....