Dan Immergluck writes that in 2003 small businesses in black neighborhoods still received fewer loans, even after accounting for business density, business size, industrial mix, neighborhood income, and the credit quality of local businesses. Gregory D. Squires wrote in 2003 that it is clear that race has long affected and continues to affect the policies and practices of the insurance industry. Workers living in American inner-cities have a harder time finding jobs than suburban workers, a factor that disproportionately affects black workers.