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The Black Vote

When African American voters—and the rest of the electorate—go to the polls on Nov. 2, they will not merely engage in the quadrennial ritual of selecting the next president. They...

Small Is Beautiful

When it came time for Mell Monroe and his wife, Angela Higginbotham Monroe, to refinance their mortgage earlier this year, the couple shopped around for attractive rates. One bank offered a nice enough loan, but there was a catch. The bank wanted to charge the couple an extra fee to receive its lowest interest rate. Its representatives explained that they were assessing the fee because Monroe’s credit score had recently dropped 75 points because of a late payment.

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