In Birmingham, Ala., where I used to live, lunch places start to fill up around 11:30 a.m. New York isn’t like that–the lunch rush hits here around 1. So when I headed out to look for food today at about 10 minutes before noon (I had gotten to work very early this morning, and needed [...]

A reader writes, in response to my column a few weeks ago on subprime mortgages (which discussed how subprime lending had helped dramatically reduce mortgage denial rates for African Americans): I don’t think that any fair minded person would say because historically blacks and minorites have been kept out of the housing market artificially and [...]