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[Applause] itamp;#39;s an honor to be here with you guys this morning I wrote a new book called the black tax the cost of being black in America and itamp;#39;s about what is the financial cost of discrimination against black people often when people are talking about discrimination weamp;#39;re talking about the morality of it weamp;#39;re talking about the injustice associated with it and I wanted to take a different look at it I wanted to look at what is the financial cost right I wanted to look at what researchers have said is that cost and then over time see if we can aggregate that to build a picture of actually whatamp;#39;s happening so the book is broken into three parts itamp;#39;s a lot of words you can focus on me itamp;#39;s okay the first part is a look at the cost of discrimination across multiple industries the housing automotive job search high-end careers online commerce business financing to see what that picture looks like the second part of the book