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FACTS: You are an assistant branch manager at a bank where a black family has just been turned down for a mortgage, despite a good

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FACTS: You are an assistant branch manager at a bank where a black family has just been turned down for a mortgage, despite a good joint income and an excellent credit rating. You know that this is a common practice in this branch, because the branch manager believes that, in general, "minorities are a bad risk." The family asks you why their mortgage has been turned down

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