I don't want to get into such a debate, but IMHO and kidding aside, the ban on redlining only serves to either make property insurance unavailable (perhaps through subtle means) in those neighborhoods, or serves as a stealth wealth transfer to the people in those neighborhoods (deadweight losses etc etc). Higher risk should mean higher premiums; nothing discriminatory about that.

[This message has been edited by pynchonesque (edited 01-28-2002).]