I was reviewing for my Soc 0064 American Ethnicities exam and was worried that discriminatory lending was the only case of discrimination without prejudice that I could come up with. ¬†Worried that this was insufficient I smiled when I saw the 2nd test question started out with “John works at a bank and cannot lend to those with bad credit, which may overproportionately affect African Americans, this is an example of”. ¬†I got a few glances as I pumped my fists wildly.