Patricia j. williams, an african american academic, writes about her experiences with redlining. what happened after the lender found out she was black

Before the lender found out she was black, she was offered a loan almost immediately.

However, when the lender learned that she was in fact black, things took a bad turn. First, higher terms of the loan were imposed on her. Second, she was told the loan was a risk due to declining prices in the neighborhood. Third, she was suddenly asked to pay more and offered a less attractive loan.

it should be d or b but i'm sure it's d