The coinsurance provision of Title I became effective October 1, 1954, and from that date the lender is required to bear 10 percent of the loss sustained on any onloan.

2010, The Sex Sphere by Rudy Rucker

In part, the answer is that racism extends considerably beyond prejudiced beliefs. The essential feature of racism is not hostility or misperception, but rather the defense of a system from which advantage is derived on the basis of race. The manner in which the defense is articulated – either with hostility or subtlety – is not nearly as important as the fact that it insures the continuation of a privileged relationship. Thus it is necessary to broaden the definition of racism beyond prejudice to include sentiments that in their consequence, if not in their intent, support the racial status quo.

Come into the yard with me, Micah, quoth my father. . . . [I]f I am old and worn, there is the fruit of my loins to stand in my place and to wield the same sword in the same cause. You shall go in my place, Micah.