point out, people make housing choices on schools, economic opportunities, jobs. >> let me ask you this. when we looked at the disparities in subprime loans, 2006, 30% of these loans went to women. much likely men to get subprime mortgages. even high-in come african-american borrowers were likely to get subprime mortgages than white borrowers. was that about being a bad decisionmakers, women aren't good with their money or are we seeing targeted behaviors and those behaviors are still unaddressed? >> additionally these lenders targeted elderly african-american women with high equity in their homes. when they perfected this whole process of scamming people out of their equity, they rolled it out to communities of color, primarily african-american communities, because they didn't have enough people who spoke spanish to hit that community. they hit the spanish community