After world war ii, the u. s. government made home loans available to veterans through the gi bill. at the same time, it authorized "redlining" practices that made it more difficult for veterans of color and their families to buy homes in newly built suburbs. realtors and bank loan officers made it a practice to turn these potential buyers away. the result was increased residential segregation that has persisted into the twenty-first century. in two to three sentences, explain how individual and institutional racism both played roles in creating this situation.