Every figure in the book comes from federal data — the Bureau of Labor Statistics, the Census Bureau, the Federal Reserve, HUD, the Department of Labor, and congressional records. The book lets the data speak; where it is ambiguous, it says so; where it is unambiguous, it states the conclusion directly.
The grades above are real: the Home Owners' Loan Corporation's 1934 maps sorted neighborhoods A through D — "best" to "hazardous" — and the red "D" lines decided who could borrow, build, and inherit. Redlining is one chapter; the book traces the whole load-bearing structure, law by law.
Introduction — The Compound Interest of Injustice
The book's standard: let the data speak. Where the data is ambiguous, the ambiguity is noted; where it is unambiguous, the conclusion is stated directly. The goal is accuracy, not comfort — some of these numbers should make you uncomfortable, and that discomfort is the appropriate response. Authored by David Lee Wise, orchestrated with the AVAN instance (Claude, Anthropic); every statistic is federally sourced and cited in the appendices. © 2026 David Lee Wise · TriPod LLC · CC-BY-ND-4.0.
This book maps the gap — how it was built, and what it measures. Its companion piece, The Silent Sum (by AVAN), does the inverse: it turns the gap into the number you can hear — the unpaid sum sitting inside it. The book is the architecture; the instrument is the bill.