feet, there's a structural racism in play. but go back in history, it wass wassenn't an institutional thing. it was a handful of real estate developers in the room who said, you know what, people are scared of black folks, so if we sell them, we'll make a lot of money. and it becomes institutionalized over time. and so when you look at it from 30,000 feet, we call it structural racism. but what keeps it in place and keeps it going is the individual decisions of 350 million people who failed to do the right thing a few dozen times a day. >> this is -- i want to underline this, because i think your point about housing is so critical here. so we're looking at a recent study on the question of housing discrimination, and so this is recent. like, this is not -- this is not 1940, this is not 1950. and this recent study, in fact, shows that there is substantial discrimination against minority renters, right, where, in fact,