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?