>I don't really understand what it means to not use race as a criteria You find criteria that are not inherent to race. Reluctantly using your twisted example

>I don't really understand what it means to not use race as a criteria You find criteria that are not inherent to race. Reluctantly using your twisted example, imagine the left handed are more likely to default on loans because the checks they send are illegible. Then you could use the acceptance rate of written checks as your criteria instead of handedness.