An example of institutional racism is when banks:
a. increase the lowest interest rates they charge on home mortgages.
b. refuse to give mortgage loan to someone who does not have a job.
c. use race as the basis for determining mortgage interest rates.
d. foreclose on homes owned by racial minority members who cannot pay their mortgage.

The answer is C

Explanation:

in this part of the declaration it refers to the point when american people didn't recognize the british domain and   breaks the political bands with britain, they forced a respectful separation.

mankind was created and entitled equally with rights   which were life, freedom and the seeking for happiness.

you answered your own : -/