 (slow upbeat music)
  - [James] In the
  great depression,
  homes had been foreclosed
  by the millions.
 And one of the ways that the
 federal government thought
to get banks back into business
 was to develop a set of maps
  that showed what were seen
  as the best neighborhoods
 where their mortgages
 would be safe
 and the worst.
 So the age and the condition
of housing was supposed
to be the major criteria
 as well as the
 income of residents.
  But the other criteria and
 the one that's been
 most controversial
and damaging in the long run had
to do with race.
  So in Seattle any
  neighborhood that allowed
 residency by non-whites was
 automatically considered part
of the red zone.
  Red lining told the banks
  that loans would be risky
 in say the central district.
 Mortgages were hard to get.
  And families who were
  affected were deprived of
the ability to accumulate wealth
  through property ownership
  over the generations.
 That legacy is still very much
 with us quite starkly today.
