WEBVTT - Civic Cipher 121121 Whitewashing Blackness (Part A)

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<v Speaker 1>Welcome to another episode of Civic Cipher. I'm your host,

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<v Speaker 1>ramses joh I.

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<v Speaker 2>Go by the name of Q ward. Ram has caused

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<v Speaker 2>me Q. My mom calls me Q, so you might

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<v Speaker 2>as well call me Q.

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<v Speaker 1>And sometimes your mom calls you Q dirty, And that's

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<v Speaker 1>all right.

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<v Speaker 2>Too, mom calls me Do you know how cool it

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<v Speaker 2>is that my mom calls me Q dirty?

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<v Speaker 1>I love that.

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<v Speaker 3>Anyway, I got another excellent show for you today and

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<v Speaker 3>an interesting show a lot for you to stick around for,

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<v Speaker 3>so stay tuned because we are going to be talking

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<v Speaker 3>about a story that's come up a couple of times

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<v Speaker 3>this week about a family that, without giving too much away,

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<v Speaker 3>we'll say, had to quote unquote play the game with

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<v Speaker 3>their house in order to get a fair appraisal.

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<v Speaker 1>And you know, we're going to talk about that, peel

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<v Speaker 1>back a couple of layers and hopefully share personal examples

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<v Speaker 1>because I know I've had to do that before, and

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<v Speaker 1>I know you've had to do We both have had

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<v Speaker 1>to do that before in the same room, so definitely

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<v Speaker 1>want to talk about that. We're also going to you know,

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<v Speaker 1>there's a couple of common motifs around here, so we're

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<v Speaker 1>going to talk about what it means to be a bully.

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<v Speaker 1>There's been a lot of videos that we've seen this week.

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<v Speaker 1>Normally we've tried to you know, ping pong back and forth,

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<v Speaker 1>but I know this week we've shared we've both seen

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<v Speaker 1>a lot of videos, some of which have included human

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<v Speaker 1>beings losing their lives at the hands of police, unfairly

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<v Speaker 1>by all accounts, even those police departments. And so we

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<v Speaker 1>want to really pull back a couple of layers there

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<v Speaker 1>and really challenge the hero narrative, not because it's not deserved,

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<v Speaker 1>but because it doesn't really leave a lot of space

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<v Speaker 1>for errors for people that don't want to think critically

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<v Speaker 1>about this. These institutions will say, and a lot more

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<v Speaker 1>to come as well. But first we are going to

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<v Speaker 1>discuss some ebony excellence. So this week we're going to

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<v Speaker 1>talk about someone who's near physically near to you out

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<v Speaker 1>there in Atlanta. She goes by the name of Stacy Abrams.

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<v Speaker 1>So well, first off, what's your thoughts on on Stacy Abrams.

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<v Speaker 2>So, part of our plight as a people, and I

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<v Speaker 2>don't mean just black people, I mean people in general,

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<v Speaker 2>is our lack of ability to find common ground. There

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<v Speaker 2>is far more that we have in common than what

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<v Speaker 2>separates us. Sure, we spend so much more time on

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<v Speaker 2>what separates us. Stacy Abrams has found a way to

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<v Speaker 2>at least have some collective of people with a singular agenda.

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<v Speaker 2>And she's been able to organize and mobilize in a

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<v Speaker 2>way that many people have tried, but not many have

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<v Speaker 2>been as successful as she has. So she had an

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<v Speaker 2>unsuccessful run for governor. People I think eventually thought that

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<v Speaker 2>she would run for mayor. But what she did is

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<v Speaker 2>she just found a way to organize people who had

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<v Speaker 2>the same thoughts, the same ideas, had the same goals

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<v Speaker 2>and wanted to reach the same point, and got all

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<v Speaker 2>those people to organize, mobilize and get in the streets,

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<v Speaker 2>bro get people to vote, get people to show up

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<v Speaker 2>at the polls. And she's almost singularly responsible for the

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<v Speaker 2>Democrats having the representation that they needed from those seats

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<v Speaker 2>that were available in Georgia. I remember that flipping the

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<v Speaker 2>state and getting people to come out in large numbers

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<v Speaker 2>to you know, show up and vote, and her ability

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<v Speaker 2>to organize, I think she's going to use for her

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<v Speaker 2>own benefit this time, because she did run for governor

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<v Speaker 2>before she lost to Brian Kemp. And the way that

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<v Speaker 2>you know may have been a little fishy right right, However,

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<v Speaker 2>she's the one, bro, if we had to champion someone,

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<v Speaker 2>she's the one. I think her chances of success this

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<v Speaker 2>time are really high. But you and I have gone

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<v Speaker 2>back and forth in this show about all the ways

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<v Speaker 2>that our legislators, our politicians, the people that we put

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<v Speaker 2>in office, are now going out of their way to

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<v Speaker 2>make it more difficult for more people to vote. She's

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<v Speaker 2>the person on the opposite side of that. She might

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<v Speaker 2>even be directly responsible for all of these states doubling

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<v Speaker 2>down on making it harder for poor people and people

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<v Speaker 2>of color to show up at these polls.

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<v Speaker 1>And to vote.

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<v Speaker 2>So shout out to her for being a person of

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<v Speaker 2>the people, not just people that look like her, and

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<v Speaker 2>not just people that have her ideas, but just people

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<v Speaker 2>in general.

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<v Speaker 1>Well that sounds like em any excellence to me. So

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<v Speaker 1>we'll take that all day again. Shout out to Stacy

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<v Speaker 1>Abrams and hopefully she has a successful run for governor.

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<v Speaker 1>Moving on, all right, So you know the story too,

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<v Speaker 1>because we've shared, you know, in preparation for today's show.

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<v Speaker 1>Black Couple. Uh oh here we go. Yeah. Well, first,

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<v Speaker 1>the reason that we share these types of issues on

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<v Speaker 1>this program. Is because you know, some of the news

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<v Speaker 1>sources aren't able to peel back the layers the way

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<v Speaker 1>that we feel might be necessary, you know, for folks

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<v Speaker 1>to really be able to know what the experience is like.

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<v Speaker 1>And we are trying to create more empathetic allies or

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<v Speaker 1>more empathetic people who, you know, maybe they're on the

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<v Speaker 1>fringes or they're living their own lives and they don't

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<v Speaker 1>really consider themselves allies to the plight of like black

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<v Speaker 1>and brown people in this country. And so we're we're

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<v Speaker 1>hoping to explain things in a way that is beyond

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<v Speaker 1>the text that you might find and you know, just

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<v Speaker 1>kind of give it some some more context. And so

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<v Speaker 1>I'll begin long story short, and my sources come from

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<v Speaker 1>the Washington Post and the Daily Mail and the United Kingdom,

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<v Speaker 1>who did a cover for the story as well. Black

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<v Speaker 1>couple ultimately ended up suing a real estate agency after

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<v Speaker 1>their Bay Area home was valued at just nine hundred

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<v Speaker 1>and ninety five thousand dollars, but a one point four

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<v Speaker 1>to two million dollar valuation came about when they removed

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<v Speaker 1>all photos of themselves and asked white friends to pose

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<v Speaker 1>as the owners. For viewing when the appraiser came to

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<v Speaker 1>view the property a second time. So just by swapping

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<v Speaker 1>out the family photos and them not being there themselves

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<v Speaker 1>and having a white couple come in, they gained, you know,

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<v Speaker 1>nearly half a million dollars in additional wealth in their

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<v Speaker 1>appraisal of their property. Right now, there are a lot

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<v Speaker 1>of people that might say, well, this is one example

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<v Speaker 1>that you know that's not across the board, and you know,

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<v Speaker 1>to a degree, they might be right. But overall, based

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<v Speaker 1>on the experience that I've had that the people that

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<v Speaker 1>I know have had, you know, this is like when

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<v Speaker 1>I first read this, I was like, oh my god,

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<v Speaker 1>that's genius. I wonder how much my house would have

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<v Speaker 1>been worth if I had done that. What a what

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<v Speaker 1>an excellent idea? Right not to say that, I was,

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<v Speaker 1>you know, I fortunately, I've had a very I'm very

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<v Speaker 1>very good run. And so I live in a nice

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<v Speaker 1>house in a nice neighborhood, and you know, the property

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<v Speaker 1>values they kind of you know, have a I wouldn't

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<v Speaker 1>be able to lose too much value. But in this house,

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<v Speaker 1>I was able to see it, and I could see

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<v Speaker 1>that they had added additional construction elements, and so forth,

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<v Speaker 1>which is not really possible where I live. So but

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<v Speaker 1>let me finish and then we'll get into this. So

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<v Speaker 1>the couple's name is Paul and Tanisha Austin, and they

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<v Speaker 1>believed that race was the reason that their home was

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<v Speaker 1>undervalued because the only thing that they had changed was

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<v Speaker 1>the race of the people. Trying to get the valuation

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<v Speaker 1>on the property. Again, they bought the home in twenty

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<v Speaker 1>sixteen for eight hundred and ninety thousand. It was valued

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<v Speaker 1>at nine hundred and ninety five thousand, despite spending four

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<v Speaker 1>hundred thousand dollars on renovations. Again, that's not really possible

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<v Speaker 1>where I'm at. So you know, some other details here,

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<v Speaker 1>and then as I mentioned, they brought in some friends

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<v Speaker 1>of theirs to sit in the house and kind of

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<v Speaker 1>receive the valuation under their name Paul and Tanisha Austin,

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<v Speaker 1>and then of course, you know, they got the higher valuation.

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<v Speaker 1>This process is called whitewashing. Now, I got at least

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<v Speaker 1>one story that I can share, but I know many

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<v Speaker 1>examples throughout my life when this type of tactic, not

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<v Speaker 1>this exact tactic, but this type of tactic has been necessary,

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<v Speaker 1>and I'll share one of them. So where I live

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<v Speaker 1>in Arizona. I have to interact with people. Some of

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<v Speaker 1>these people are business people, right, and they're accustomed to

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<v Speaker 1>doing business with folks that look like them. And I

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<v Speaker 1>understood that, right, So you know, the platonic ideal, whatever's

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<v Speaker 1>in your mind right now, if I had to guess,

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<v Speaker 1>it's a white, middle aged male in a business suit,

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<v Speaker 1>you know, and he's got a briefcase, and this is

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<v Speaker 1>the business person that I will be interacting with, And

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<v Speaker 1>you wouldn't be wrong because this is the type of

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<v Speaker 1>person I have to interact with. And I remember early on,

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<v Speaker 1>I created a company to procure advertisements. You know, I

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<v Speaker 1>work in radio and uh. I was trying to put

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<v Speaker 1>together these ad packages for various companies and organizations that

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<v Speaker 1>included me in the advertising package, right, so I could

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<v Speaker 1>get paid for doing the media buys, but also I

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<v Speaker 1>could get paid as the endorser of said initiative, right

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<v Speaker 1>or whatever call to action. There was my background, like

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<v Speaker 1>I went to school. My bachelor's is in marketing, my

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<v Speaker 1>master's is in management. I know how to talk to talk,

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<v Speaker 1>I know how to walk the walk. I have results.

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<v Speaker 1>You know, I don't, okay, you know out here, but

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<v Speaker 1>I look how I look. Uh, you know, and and

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<v Speaker 1>to be fair, it's not just that I'm black. I'm

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<v Speaker 1>also very young.

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<v Speaker 2>Can you describe? Can you describe how you look for

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<v Speaker 2>our listeners who have who don't be that's important, right.

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<v Speaker 2>I'm sorry to cut Ramdas off, but you guys, hear

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<v Speaker 2>Ram this is amazing voice. And you may have no

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<v Speaker 2>idea how he looks because he's so well spoken and

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<v Speaker 2>so articulate.

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<v Speaker 1>That's very kinring.

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<v Speaker 2>He looks like the type of person that someone would

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<v Speaker 2>say that about. He's so well spoken. Sure, such a

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<v Speaker 2>such a such a a.

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<v Speaker 1>Backhanded compliment, right, exactly exactly, But these things in my

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<v Speaker 1>more formative years had informed how I would quote unquote

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<v Speaker 1>play the game, how I would do my whitewashing because

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<v Speaker 1>of backhanded compliments like that. I knew that I had

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<v Speaker 1>the potential, But I also knew I had the potential

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<v Speaker 1>provided that I, you know, took a a less obvious route.

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<v Speaker 1>And I'll get to that in just a second. That

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<v Speaker 1>might be a little misleading, but I you know, I

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<v Speaker 1>know how to put on a suit, so you know,

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<v Speaker 1>I my tattoos don't really come into play when I

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<v Speaker 1>have a suit on and I'm in a business meeting,

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<v Speaker 1>which was the case in this one example. But I

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<v Speaker 1>do wear my hair the way God intended. Right. In

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<v Speaker 1>other words, my hair grows and it reaches for the sky.

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<v Speaker 1>It's an afro, you know, or a crown or whatever

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<v Speaker 1>you like to call it. It's just it's my hair.

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<v Speaker 1>That's how it comes, right. I don't change it. I

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<v Speaker 1>don't really do anything to it. It's just it just

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<v Speaker 1>is what it is. Right and to the wrong people

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<v Speaker 1>that can be intimidating, or that can be in their opinion,

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<v Speaker 1>unprofessional or whatever the case is. Right, And obviously everyone

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<v Speaker 1>has to play the game, but there are some rules

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<v Speaker 1>that I will not play by. You know. I will

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<v Speaker 1>be the way God made me. My hair will be

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<v Speaker 1>the way God made it. You know, I'm not gonna

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<v Speaker 1>I can't change that. It's encoded into my genetics, right,

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<v Speaker 1>and nor should me or anybody else change who they

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<v Speaker 1>fundamentally are to you know, have to play this game.

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<v Speaker 1>But I also recognize that if I'm not going to

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<v Speaker 1>budge that, I have to work in a workaround.

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<v Speaker 2>Right.

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<v Speaker 1>My hair has always been a part of my brand.

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<v Speaker 1>You know, we say this all the time, but Q

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<v Speaker 1>and I are DJs, you know, and part of being

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<v Speaker 1>in DJ and entertainer is you know, having a certain

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<v Speaker 1>look right and for me, in addition to me wearing

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<v Speaker 1>my hair for my own reasons, my own spiritual and

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<v Speaker 1>personal and cultural reasons, my hair is also a part

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<v Speaker 1>of my brand. You know. It's just kind of one

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<v Speaker 1>of those things folks associated with. So there's no way

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<v Speaker 1>around this, no matter how you look at it, fiscally

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<v Speaker 1>or otherwise. So what I did when I was meeting

0:13:37.960 --> 0:13:42.320
<v Speaker 1>with the Health Department was I was working on a

0:13:42.320 --> 0:13:47.600
<v Speaker 1>health campaign with the Health Department. Prior to actually meeting

0:13:47.640 --> 0:13:49.640
<v Speaker 1>these folks, I had done a lot of emailing back

0:13:49.640 --> 0:13:51.680
<v Speaker 1>and forth letting them know, Hey, I could help you

0:13:51.720 --> 0:13:54.040
<v Speaker 1>with your media buys. I can help you with your

0:13:54.040 --> 0:13:57.280
<v Speaker 1>outdoor buys. You can buy billboards and these zip codes.

0:13:57.320 --> 0:14:03.960
<v Speaker 1>You can you know, buy advertisement in these magazines. You

0:14:04.000 --> 0:14:06.800
<v Speaker 1>can buy radio ads you know, on these radio stations,

0:14:06.840 --> 0:14:08.840
<v Speaker 1>and you can put together a campaign that will reach

0:14:08.920 --> 0:14:11.640
<v Speaker 1>the folks that you're really trying to reach and have

0:14:13.280 --> 0:14:18.000
<v Speaker 1>multiple impressions from different sources that I believe will you know,

0:14:18.080 --> 0:14:21.120
<v Speaker 1>get the word out the way you'd like and be effective,

0:14:21.520 --> 0:14:24.200
<v Speaker 1>you know, And I can help you craft the language

0:14:24.240 --> 0:14:26.280
<v Speaker 1>and the visuals and so forth, because I know the

0:14:26.320 --> 0:14:28.760
<v Speaker 1>people you're trying to reach and I can help you

0:14:28.800 --> 0:14:31.240
<v Speaker 1>reach them, and they love this, you know. So the

0:14:31.280 --> 0:14:33.680
<v Speaker 1>ideas flowed back and forth, back and forth, and then

0:14:34.080 --> 0:14:37.240
<v Speaker 1>time came for us to have a meeting. I was

0:14:37.280 --> 0:14:40.080
<v Speaker 1>working with a much bigger ad agency to actually handle

0:14:40.080 --> 0:14:43.000
<v Speaker 1>my media, yes, and so they weren't in the deal

0:14:43.200 --> 0:14:46.000
<v Speaker 1>as of yet. They just kind of had my back

0:14:46.040 --> 0:14:47.680
<v Speaker 1>if I needed to come with them with a budget,

0:14:47.840 --> 0:14:49.520
<v Speaker 1>you know. So it's a six figure deal that I

0:14:49.560 --> 0:14:54.120
<v Speaker 1>was working on, and I knew prior to going into

0:14:54.160 --> 0:15:00.920
<v Speaker 1>this meeting that, uh, I'm going to need someone that

0:15:00.960 --> 0:15:04.520
<v Speaker 1>these folks can talk to. And as it turns out,

0:15:05.760 --> 0:15:09.200
<v Speaker 1>I had a friend named Russ. I still have this friend, right,

0:15:09.720 --> 0:15:12.440
<v Speaker 1>And Russ and I had been through a lot together.

0:15:12.480 --> 0:15:15.160
<v Speaker 1>We'll say that. But Russ is just like you think.

0:15:15.200 --> 0:15:18.920
<v Speaker 1>He's a middle aged white man, looks great in a tie,

0:15:19.600 --> 0:15:22.920
<v Speaker 1>looks like he knows what he's talking about. And he

0:15:23.800 --> 0:15:29.600
<v Speaker 1>understood that. I was fine being the cool guy. But

0:15:29.760 --> 0:15:32.760
<v Speaker 1>when it came time to have these really important conversations,

0:15:33.080 --> 0:15:36.880
<v Speaker 1>despite my education, despite my familiarity with the subject matter,

0:15:36.920 --> 0:15:39.800
<v Speaker 1>and despite them being my actual ideas, that I came

0:15:39.880 --> 0:15:45.960
<v Speaker 1>up on my own, in my own space, I would

0:15:46.000 --> 0:15:49.080
<v Speaker 1>never be able to I wouldn't be listened to in

0:15:49.120 --> 0:15:51.600
<v Speaker 1>the same way. And so I asked him. I was like, hey, Russ,

0:15:51.880 --> 0:15:55.400
<v Speaker 1>could you come to this first meeting with me, just

0:15:55.440 --> 0:15:58.880
<v Speaker 1>the first one, please, and sit in the meeting and

0:15:58.960 --> 0:16:01.640
<v Speaker 1>start the meeting, you know, and then turn it over

0:16:01.680 --> 0:16:03.840
<v Speaker 1>to me, and then you you, for all they know,

0:16:03.880 --> 0:16:07.680
<v Speaker 1>you're my boss, and then you turn it over to me,

0:16:07.720 --> 0:16:09.320
<v Speaker 1>and then I'll do the talking. So that way it

0:16:09.360 --> 0:16:12.760
<v Speaker 1>looks like it's both of us because they'll feel like

0:16:12.760 --> 0:16:17.760
<v Speaker 1>they're doing business with you, but they'll get the actual

0:16:17.760 --> 0:16:19.800
<v Speaker 1>information for me. So you don't have to study this stuff.

0:16:19.800 --> 0:16:21.400
<v Speaker 1>You don't have to feel back any layers. And I

0:16:21.440 --> 0:16:22.960
<v Speaker 1>was like, and I'll cut you in on, you know,

0:16:23.080 --> 0:16:25.480
<v Speaker 1>some of the money, you know, if we get this

0:16:25.720 --> 0:16:28.840
<v Speaker 1>taken care of. And Russ, of course, being the salesman

0:16:28.880 --> 0:16:30.920
<v Speaker 1>that he was, you know, he's an old sales guy

0:16:30.920 --> 0:16:34.280
<v Speaker 1>from radio, which is how I knew him. He says, yeah, absolutely, Man,

0:16:34.320 --> 0:16:35.960
<v Speaker 1>I get what you're trying to do. I got you.

0:16:36.000 --> 0:16:38.520
<v Speaker 1>Just give me the cliffs notes and then we'll knock

0:16:38.520 --> 0:16:40.920
<v Speaker 1>it out of the park. And that's exactly what happened,

0:16:41.400 --> 0:16:48.240
<v Speaker 1>and that relationship snowballed into other relationships where Russ would

0:16:48.360 --> 0:16:51.680
<v Speaker 1>be with me when I'm doing media buys, when I'm

0:16:51.680 --> 0:16:55.280
<v Speaker 1>sitting down with these logistics companies, I'm sitting down with

0:16:55.320 --> 0:16:59.520
<v Speaker 1>all kinds of companies. You know, Russ would be my guy,

0:16:59.680 --> 0:17:03.680
<v Speaker 1>that would be the white guy in the room to

0:17:03.840 --> 0:17:12.040
<v Speaker 1>make the other white guys feel like, perhaps if we

0:17:12.080 --> 0:17:15.480
<v Speaker 1>did business with this couple of people here, we would

0:17:15.480 --> 0:17:18.720
<v Speaker 1>get the results that we want. Whereas me, by myself,

0:17:18.800 --> 0:17:21.920
<v Speaker 1>I'm not sure that I would have had those same results.

0:17:21.960 --> 0:17:24.560
<v Speaker 1>I'd never had any results outside of us. And it

0:17:24.600 --> 0:17:27.919
<v Speaker 1>didn't matter how much I talked, or how as you

0:17:27.960 --> 0:17:33.680
<v Speaker 1>put it, well spoken, or what my education was. There

0:17:33.760 --> 0:17:35.960
<v Speaker 1>was a couple of things, not the least of which

0:17:36.000 --> 0:17:39.359
<v Speaker 1>is my skin. Remember I'm in Arizona. These middle aged

0:17:39.359 --> 0:17:43.199
<v Speaker 1>white men are oftentimes very right leaning, very conservative types,

0:17:43.720 --> 0:17:46.440
<v Speaker 1>who you know they come from a different time, and

0:17:46.920 --> 0:17:49.119
<v Speaker 1>you know they're not as familiar interacting with folks that

0:17:49.200 --> 0:17:51.359
<v Speaker 1>don't look like them. And I'm not trying to be

0:17:51.400 --> 0:17:53.040
<v Speaker 1>any kind of way, and I'm not trying to say anything.

0:17:53.080 --> 0:17:56.520
<v Speaker 1>I'm just telling you my reality how similar it is

0:17:56.800 --> 0:17:59.480
<v Speaker 1>to this couple, and I want to read one more thing,

0:17:59.560 --> 0:18:03.480
<v Speaker 1>and I want to get your thoughts. Cute to add

0:18:03.520 --> 0:18:07.560
<v Speaker 1>to this, A long time ago, when I was maybe

0:18:08.000 --> 0:18:11.720
<v Speaker 1>seventeen years old, I worked at a Nissan dealership, right,

0:18:12.960 --> 0:18:16.240
<v Speaker 1>and I had to study all these cars Exterras and

0:18:16.320 --> 0:18:18.879
<v Speaker 1>Maximums and everything like that. I thought I was grown up. Man,

0:18:18.880 --> 0:18:20.919
<v Speaker 1>I was seventeen. I had a grown up job. I

0:18:20.920 --> 0:18:23.240
<v Speaker 1>had to wear a suit, you know, to sell these cars.

0:18:25.760 --> 0:18:29.840
<v Speaker 1>And I just got a kick out of that. Man,

0:18:29.880 --> 0:18:34.879
<v Speaker 1>I'm a big fan of cars. So at this time,

0:18:35.080 --> 0:18:40.000
<v Speaker 1>I read something that we got as like staff, as salespeople.

0:18:40.640 --> 0:18:45.120
<v Speaker 1>I read something that suggested that Nissan was in trouble,

0:18:45.840 --> 0:18:56.240
<v Speaker 1>legal trouble for giving higher interest rates overall the sales

0:18:56.280 --> 0:18:59.120
<v Speaker 1>departments at the dealerships across the country, and the Nissan

0:18:59.240 --> 0:19:01.800
<v Speaker 1>financing company and all this sort of stuff. We're giving

0:19:01.880 --> 0:19:05.200
<v Speaker 1>higher interest rates to black people. Now, this was many

0:19:05.280 --> 0:19:09.120
<v Speaker 1>years ago. This is twenty some odd years ago when

0:19:09.160 --> 0:19:13.120
<v Speaker 1>this happened. So you know, this is how I remember it,

0:19:13.200 --> 0:19:15.600
<v Speaker 1>which might not be entirely accurate, but I do remember

0:19:15.680 --> 0:19:20.240
<v Speaker 1>that Nissan was charging more interest for black people overall.

0:19:20.760 --> 0:19:24.040
<v Speaker 1>And it was a clear it was clear, like ones

0:19:24.040 --> 0:19:28.360
<v Speaker 1>and Zero's racism. You know, the same credit score, same situations.

0:19:28.440 --> 0:19:31.720
<v Speaker 1>You know, if you're comparing apples to apples, the blacker

0:19:31.760 --> 0:19:35.000
<v Speaker 1>you are the higher interest rate, right, And we needed

0:19:35.040 --> 0:19:38.359
<v Speaker 1>to know about that in case someone came in to

0:19:38.480 --> 0:19:42.400
<v Speaker 1>try to buy an Ultima or a CenTra or whatever, right,

0:19:42.440 --> 0:19:44.399
<v Speaker 1>and we needed to know how to defend against that.

0:19:45.040 --> 0:19:47.440
<v Speaker 1>And there was me and there was another guy there

0:19:47.800 --> 0:19:51.640
<v Speaker 1>whose name is Sherman. He was also black, and we

0:19:51.720 --> 0:19:53.959
<v Speaker 1>had to like really sit with this, like, okay, so

0:19:54.000 --> 0:19:58.520
<v Speaker 1>they know this is happening, they acknowledge it, and then

0:19:58.520 --> 0:20:02.119
<v Speaker 1>now they're informing us on how to deal with the customer.

0:20:02.359 --> 0:20:04.800
<v Speaker 2>They want us to be able to speak to it intelligently.

0:20:05.040 --> 0:20:08.040
<v Speaker 1>Yeah, isn't that crazy? So the reason I bring that

0:20:08.160 --> 0:20:12.800
<v Speaker 1>up is because not just this house, but and this

0:20:12.840 --> 0:20:16.399
<v Speaker 1>comes from the New York Daily News in twenty sixteen, Toyota,

0:20:16.760 --> 0:20:19.920
<v Speaker 1>not Nissan. And this is many years later, right, Toyota

0:20:20.760 --> 0:20:24.840
<v Speaker 1>agreed to pay back twenty one point nine million dollars

0:20:25.240 --> 0:20:29.600
<v Speaker 1>two thousands of African American and Asian borrowers when it

0:20:29.680 --> 0:20:33.080
<v Speaker 1>was determined that dealers routinely charge customers of color higher

0:20:33.119 --> 0:20:36.119
<v Speaker 1>interest rates than white customers with the same credit score

0:20:36.359 --> 0:20:40.120
<v Speaker 1>and income level. To be clear this wasn't an aberration

0:20:40.240 --> 0:20:43.440
<v Speaker 1>of some sort, but appears to be an industry standard.

0:20:44.000 --> 0:20:49.760
<v Speaker 1>And now we have more substance to suggest that going

0:20:49.880 --> 0:20:57.320
<v Speaker 1>in to a meeting where finances are at stake, money

0:20:57.359 --> 0:21:01.600
<v Speaker 1>is at stake with black skin, that counts against you, right,

0:21:02.480 --> 0:21:04.919
<v Speaker 1>And we know not just in the United States, but

0:21:04.960 --> 0:21:09.879
<v Speaker 1>across the world things that are associated with poverty. We're

0:21:09.920 --> 0:21:14.160
<v Speaker 1>seeing textbook examples of why it's more difficult for black

0:21:14.160 --> 0:21:16.760
<v Speaker 1>folks to build wealth. You know, we could go all

0:21:16.800 --> 0:21:19.119
<v Speaker 1>the way back and discuss redlining. We could look at

0:21:19.160 --> 0:21:21.560
<v Speaker 1>right now and discuss the school to prison pipeline. We

0:21:21.600 --> 0:21:22.760
<v Speaker 1>could look at the war on drugs. We can look

0:21:22.760 --> 0:21:24.920
<v Speaker 1>at a number of things. But right now we're looking

0:21:24.920 --> 0:21:27.520
<v Speaker 1>this in the face, the ones and zeros, right, and

0:21:27.560 --> 0:21:33.200
<v Speaker 1>we know that crime and poor health, poor education, all

0:21:33.200 --> 0:21:36.679
<v Speaker 1>these things tend to follow the money line. You know,

0:21:36.760 --> 0:21:40.280
<v Speaker 1>the poorer this people are, the more difficult of a

0:21:40.320 --> 0:21:43.720
<v Speaker 1>go that there is, and the more challenge the community is. Right,

0:21:43.800 --> 0:21:46.879
<v Speaker 1>So we're seeing these things here and not for nothing.

0:21:46.920 --> 0:21:48.840
<v Speaker 1>I kind of applaud this couple. I think that's a

0:21:48.840 --> 0:21:50.600
<v Speaker 1>brilliant idea. Let's get some white folks in here so

0:21:50.640 --> 0:21:51.919
<v Speaker 1>that we can get a little bit more money out

0:21:51.920 --> 0:21:55.280
<v Speaker 1>of this house. Right. But the reason that I wanted

0:21:55.280 --> 0:21:58.439
<v Speaker 1>to share that with you, our listener, is because this

0:21:58.520 --> 0:22:00.919
<v Speaker 1>might not be something you might be aware of. You know,

0:22:01.040 --> 0:22:04.080
<v Speaker 1>in your world it's this this whole thing might be

0:22:04.400 --> 0:22:09.000
<v Speaker 1>black people versus the police, or maybe that's not your persuasion,

0:22:09.000 --> 0:22:11.160
<v Speaker 1>and you're like, black people can't get over slavery. Why

0:22:11.160 --> 0:22:13.800
<v Speaker 1>can't they just fix their own problems, you know, or

0:22:13.840 --> 0:22:16.639
<v Speaker 1>whatever the case is. You know, there's just some stories

0:22:16.680 --> 0:22:18.440
<v Speaker 1>that we need to tell, and this is the show

0:22:18.960 --> 0:22:21.359
<v Speaker 1>that we have, and we can tell these stories now.

0:22:21.560 --> 0:22:23.960
<v Speaker 1>I would love to get your reaction as well. Q.

0:22:24.440 --> 0:22:27.200
<v Speaker 1>What are your thoughts? We got about two and a

0:22:27.200 --> 0:22:29.840
<v Speaker 1>half minutes. My thoughts are going to be I'm glad

0:22:29.840 --> 0:22:31.200
<v Speaker 1>you said that. My thoughts are going to be much

0:22:31.240 --> 0:22:35.840
<v Speaker 1>shorter and much less eloquent than you might think. That's okay.

0:22:36.160 --> 0:22:39.280
<v Speaker 2>We have to we have to come to terms with

0:22:39.400 --> 0:22:45.760
<v Speaker 2>things like that being brilliant and disgusting all at the

0:22:45.800 --> 0:22:49.320
<v Speaker 2>same time. Like we have to laugh at their brilliance, Like, yo,

0:22:50.359 --> 0:22:52.760
<v Speaker 2>you know played the game, you played it, Go ahead,

0:22:54.040 --> 0:23:00.280
<v Speaker 2>But dude, do you know how like some some times

0:23:00.280 --> 0:23:05.199
<v Speaker 2>all we can do is laugh and smile as to

0:23:05.480 --> 0:23:10.719
<v Speaker 2>not burn the whole place down, Like we have to

0:23:10.840 --> 0:23:15.040
<v Speaker 2>just be like, man, goodness gracious. And you know, I

0:23:15.119 --> 0:23:17.280
<v Speaker 2>almost soar right there, so I had to go to

0:23:17.320 --> 0:23:20.879
<v Speaker 2>goodness gracious to keep from saying a curse word. We

0:23:21.040 --> 0:23:24.679
<v Speaker 2>have to really just be like man, wow, Like the

0:23:24.760 --> 0:23:29.280
<v Speaker 2>game really is set up for us to fail perpetually,

0:23:29.680 --> 0:23:33.360
<v Speaker 2>Like they don't want us to ever just be okay.

0:23:34.160 --> 0:23:36.200
<v Speaker 1>So don't let me stop you. But I want to

0:23:36.280 --> 0:23:39.760
<v Speaker 1>jump in right here. This is not the only thing.

0:23:40.080 --> 0:23:43.560
<v Speaker 1>We're talking about cars and houses, and we're talking about money.

0:23:43.960 --> 0:23:49.040
<v Speaker 1>We're not even considering political opportunities. We're not considering employment opportunities,

0:23:49.040 --> 0:23:50.679
<v Speaker 1>which I guess is kind of tied to money, but

0:23:50.720 --> 0:23:52.960
<v Speaker 1>also I think to a degree tied to the capacity

0:23:52.960 --> 0:23:56.920
<v Speaker 1>to influence. We're not talking about you know, life and death,

0:23:57.000 --> 0:23:58.679
<v Speaker 1>you know, which we will talk about a little bit

0:23:58.760 --> 0:24:02.560
<v Speaker 1>later with respect to police. We're not talking about the

0:24:02.560 --> 0:24:05.239
<v Speaker 1>criminal justice system. We're not talking about educational opportunity. We're

0:24:05.240 --> 0:24:06.760
<v Speaker 1>not talking about a lot of different things. We're just

0:24:06.840 --> 0:24:10.679
<v Speaker 1>talking about this couple in their house. And you know,

0:24:10.720 --> 0:24:12.320
<v Speaker 1>for those that listen to the show, you might know

0:24:12.400 --> 0:24:14.160
<v Speaker 1>because we talk about things like this all the time.

0:24:14.200 --> 0:24:17.480
<v Speaker 1>But for those that don't. Here's something you might not

0:24:17.520 --> 0:24:19.520
<v Speaker 1>have considered. All right, please continue, We got another thirty

0:24:19.520 --> 0:24:20.240
<v Speaker 1>seconds or something.

0:24:20.920 --> 0:24:23.560
<v Speaker 2>I'll I'll just finish it up by saying, but we

0:24:23.720 --> 0:24:27.359
<v Speaker 2>are talking about all that stuff you just said we

0:24:27.359 --> 0:24:30.640
<v Speaker 2>weren't talking about. Sure, we're talking about all of that

0:24:31.160 --> 0:24:34.159
<v Speaker 2>all the time. And just like the stats with the

0:24:34.200 --> 0:24:37.480
<v Speaker 2>car dealerships and with lending and interest rates and finance,

0:24:37.840 --> 0:24:41.439
<v Speaker 2>we have all this data. We have more, and we

0:24:41.560 --> 0:24:44.320
<v Speaker 2>have even more in the amount and even more in

0:24:44.359 --> 0:24:48.600
<v Speaker 2>the level of how compelling it is data to speak

0:24:48.640 --> 0:24:51.480
<v Speaker 2>to all that other stuff you just said, with the

0:24:51.680 --> 0:24:55.760
<v Speaker 2>only condition being don't look like us, and you'll be fine.

0:24:55.800 --> 0:24:56.399
<v Speaker 1>It'll be okay.

0:24:56.480 --> 0:24:59.320
<v Speaker 2>Look like us, and everything is going to be harder

0:24:59.320 --> 0:25:02.879
<v Speaker 2>for you, just based on that. And we have to

0:25:02.960 --> 0:25:07.080
<v Speaker 2>live with knowing this is true every day. And we

0:25:07.119 --> 0:25:11.600
<v Speaker 2>don't burn this place down, like think about that part.

0:25:13.359 --> 0:25:17.000
<v Speaker 2>And we don't now, nor have we ever even tried

0:25:17.320 --> 0:25:18.920
<v Speaker 2>to burn this place down.

0:25:20.240 --> 0:25:21.880
<v Speaker 1>All right, And that's a good enough place to leave

0:25:21.880 --> 0:25:23.840
<v Speaker 1>it for right now. Stick around your radios. We're coming

0:25:23.840 --> 0:25:25.560
<v Speaker 1>back with more civic cipher right after this