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What is an example of redlining?
While the best known examples of redlining have involved denial of financial services such as banking or insurance, other services such as health care (see also Race and health) or even supermarkets have been denied to residents.
What is the purpose of redlining?
The term refers to the presumed practice of mortgage lenders of drawing red lines around portions of a map to indicate areas or neighborhoods in which they do not want to make loans. Redlining on a racial basis has been held by the courts to be an illegal practice.
What is redlining in the housing market?
Redlining is a discriminatory practice in real estate, typically involving mortgage lenders that refuse to lend money or extend credit to borrowers in certain areas of town.
What is redlining a contract?
Redlining a contract is the process of editing a draft. The draft might have been provided by opposing counsel, or it might be an old contract you are using as a template. Redlining requires that you go back and forth with the other side to hammer out the details of your agreement.
What is the difference between Redline and Black line documents?
A legal blackline is a comparison between original documents and revised documents. A black lined document is normally referred to as a legal black line only in the legal profession. A redline document is much the same as a black line document, but usually refers to one outside the legal profession.
Why is redlining and reverse redlining unethical?
Redlining is the practice of denying the extension of credit to specific geographic areas due to the income, race, or ethnicity of its residents. Such reverse redlining may be as problematic for minority families and older urban neighborhoods as has been the withdrawal of conventional financial services.
What colors make insurance higher?
People believe that the color of their cars affect the cost of their car insurance — namely, flashy colors like red and yellow. In fact, 46% of licensed drivers surveyed by Insure.com believe that red cars are more expensive to insure because they're pulled over more frequently.
Why are red cars higher on insurance?
For years there has been this notion that color plays a significant part in calculating insurance premium costs, many people believing that red cars cost more to insure because they're linked to aggressive driving or speeding, said Loretta Workers, vice president with the I.I.I.
Is insurance for a red car more expensive?
In fact, some insurance agencies won't even ask you for the color of your car when you apply for a quote. A red car won't cost you more than a green, yellow, black or blue car. Insurers are interested in the year, make, model, body type, engine size and age of your vehicle.
Is insurance cheaper for white cars?
A popular and persistent myth about car insurance is that red cars have higher rates. Another myth is that a white car costs less to insure. The reality is that color has no bearing on the amount you pay for car insurance.
Are white vehicles cheaper?
Bought new, a white car, will most likely cost exactly the same as any other color of the same car. Instead, that extra cost is shared across the entire model range, regardless of color. Bought used (pre-owned), white cars (especially luxury makes and models) are often sold at a premium in comparison to other colors.
Why is the color red more expensive on insurance?
For years there has been this notion that color plays a significant part in calculating insurance premium costs, many people believing that red cars cost more to insure because they're linked to aggressive driving or speeding, said Loretta Workers, vice president with the I.I.I.
Is it true that red cars get more tickets?
Basically, yes. A compilation of stats from various law enforcement bureaus finds red cars get more tickets than any other color except white. But white cars are much more common than red so, roughly corrected for prevalence, red seems to take the cake as a ticket magnet.
How much higher is insurance for red cars?
1: Red cars are more expensive to insure. Twenty-nine per cent of those surveyed thought auto insurance premiums were more expensive for red cards while 54 per cent believe that to be the case for cars with two doors. “Most people may not know it, but the insurance industry is color-blind.
Why is red the cheapest paint?
Red paint is cheap because of billions of years of nuclear fusion. (Remember that white light is a mixture of many colors of light) For example, red ocher, a.k.a. hematite, a.k.a. anhydrous iron oxide (Fe2O3), absorbs yellow, green and blue light, so the light that reflects off of it is reddish-orange.
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