and the consequence of that is it means we have much lower home ownership rates among african-americans, and that central way that middle class families build wealth, the way that a family buys a house and pays a little every month and eventually owns this asset that appreciates, that has just been undercut for african-americans. and so the way i see this is this is why you put a cop on the beat. you put a cop on the beat to say the law is clear, housie housing laws have been out there and fair credit laws have been out there for as long and we say, you know, that is the deal. the last is clear, you can t charge african-americans more than you charge whites. you can t turn them down at higher rates. it should all be about the credit, not about the color of your skin.