The case against such measures isn’t based on racism or sexism. It’s based on the idea that banks should make lending decisions based on credit risk, period. We are far beyond the point where discrimination was a big enough problem to justify such measures.This is the same mess that got us into the housing debacle. When it all goes bust, you can thank Republican Senators George Voinovich of Ohio and George LeMieux of Florida, who crossed party lines and enabled the bill's passage. Surprise, surprise: Voinovich is retiring, and LeMieux is a caretaker.