Problem: Whites disproportionately benefited from U.S. housing policies because it was easier for white people to purchase homes and because:
a. the homes that whites bought increased in value more rapidly due to the perceived desirability of all-white neighborhoods.
b. it was easier for whites to secure subprime loans.
c. most whites' wealth comes from homes that appreciate in value, as opposed to Black people who tend to have more money invested in stocks
d. Latinos were unilaterally banned from taking advantage of FHA loans due to immigration policy reforms.