African-Americans are well aware of the little tricks companies perform that seem to disadvantage them in some way. Insurance companies, back in the 1950s and ‘60s, practiced “Red Lining” in which individuals who sought auto insurance and who lived in a particular part of a city were charged more than others who reside in other parts of the same city. One would have thought that such practices joined the institution of slavery and Jim Crow Laws on the trash heap of history.