re: Why do libs harp on instititutional racism?

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Never heard of redlining? 

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I'm not saying its never happened, I'm saying its not happening today on a whole. Also from that post you linked:

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Asian Americans also experienced redlining, but unlike black Americans they have come to have the highest homeownership rates of any single minority group since the 1970s. Their share of national homeownership is now even with their share of the overall U.S. population — despite the fact that so many live in coastal cities where renting is popular.

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Japanese Americans were literally placed in camps during World War II, I dont hear that being thrown around as an excuse.

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Never heard of redlining?

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Of course it happens. Banks, grocery stores and other businesses don't exist because of any moral or social reasons. They are businesses that exist to make money.
If they cannot turn a profit they go out of business.

They are generally not stupid. If it costs more to do business in a certain area they will charge more....simple to understand. For example, take Insurance: If you are a higher risk or live in a higher risk area, you pay a higher premium. Again, they are not dumb. If they were truly overcharging competition would drive them out.