Beverly, an african-american woman, has applied for a mortgage on a new home. she has a reliable job as a court reporter and has been employed for ten years. her income is substantial enough to pay a mortgage, in her budget, and still have seventy percent of her income remaining. she has, however, been at least ninety days late on several bills one year ago. beverly has since caught up on her credit card bills, paid them on time, and reduced their balances by half. she has just been turned down for a mortgage by her bank.
has she been discriminated against?

Recall that in one condition of the experiment conducted by stasser and titus (1985) about student council president candidates, all group members had access to the same information, and that in another condition, members had unique information that other group members didn't know. in the second (unshared information) condition, the group made a worse decision than in the first (shared information) condition. this occurred because groups seldom can agree on who is most expert. focus discussion on the information that all members know. often ignore dissenting opinions. avoid differences of opinion, given conformity pressures.