Is price discrimination generally illegal? In the below list, which forms of price discrimination are illegal? Is price discrimination an ethical strategy?

Use outside sources and references.

https://hbr.org/2018/09/the-good-better-best-approach-to-pricing

1. Assess the implications of this strategy and how this approach can assist in delivering enhanced "value Exchange" (Smith, T. J. (2011)).
2. How does price discrimination (direct indirect) fit into the implementation of this strategy.
3. Discuss the challenges and risks to implementing this strategy.

Additionally, for each situation described below, discuss the nature of the price discrimination (whether it is direct or indirect price discrimination), and substantiate your conclusions.

1. Higher interest rates on car loans for borrowers with lower credit scores
2. Charging ethnic minorities (or red lining) higher rates on mortgages and mortgage refinance
3. Kohl's retailer offering discounts for early morning shoppers
4. Charging higher rates on business loans
5. Volume discounts and/or benefits (example free shipping)
6. Charging higher rates on mortgage related financing for borrowers in a certain zip code.