sheryll cashin. you have five minutes. >> thank you very much, i want to begin by associating myself with the comments of the chairwoman, and my comments are in that spirit. i've spent nearly three decades grappling with u.s. segregation, and how it produces racial inequality. my most recent book, "white save black hood," segregation and the age of inequality reflects this decades of examinations. it argues that we have a system of residential caste in which government overinvests and excludes in affluent white spaces and disinvests and contains, and frankly preys on people in high poverty black neighborhoods. these are the extremes of american residential caste but everyone who can not afford to buy their way into high opportunity neighborhoods are harmed by the system. the poor especially are systematically excluded for opportunities for social mobility, no matter how hard they work to escape. exclusionary zoning was first sanctioned by the u.s. supreme court in 1986 in which it endorsed the idea t