Does this model consider the disparities in costs, rates, and growth potential as dictated by race? I say this not to be divisive but because revelations about

Does this model consider the disparities in costs, rates, and growth potential as dictated by race? I say this not to be divisive but because revelations about such disparities over the past few years are a real and substantial concern, such that spending, borrowing, employment, and other such decisions might be altered to account for these realities. https://www.nytimes.com/2020/08/25/realestate/blacks-minorities-appraisals-discrimination.html https://www.nytimes.com/2020/08/25/realestate/blacks-minorit... https://www.cnbc.com/2020/08/19/lenders-deny-mortgages-for-blacks-at-a-rate-80percent-higher-than-whites.html https://www.cnbc.com/2020/08/19/lenders-deny-mortgages-for-b... https://www.shrm.org/resourcesandtools/hr-topics/compensation/pages/racial-wage-gaps-persistence-poses-challenge.aspx https://www.shrm.org/resourcesandtools/hr-topics/compensatio...