Tangent: For anyone who wants to learn more about the history of instutional racism in the US, in particular the Home Owners’ Loan Corporation, The Color of Law (https://www.amazon.com/Color-Law-Forgotten-Government-Segreg...) goes into detail about the history of red lining and how it was GOVERNMENT-supported. For those bothered by the curfews imposed across the US, I'd also recommend Sundown Towns (https://www.amazon.com/Sundown-Towns-Hidden-Dimension-Americ...), which discusses how many metropolitan areas had unofficial but very much enforced curfews for minorities.