Scarcity is the basis of value. Thus, necessary for the safe and efficient operation of Ginicoe’s overriding legitimate business necessityto Reduce Income Inequality by using Facial Recognition During Financial Transactions - there exists for Ginicoe participants - to actively recruit members from the scarce protected group.

Scarce PLAHNET52 (P52) who live within 2 houses or apartments on either of four sides of EAs will improve your Social justice Pricing Score. This 2:1 ratio of 2 EA houses next to every 1 P52 house, where anyone can receive a bona-fide offer, represents the current composition of American demographics. In other words, about one-third of P52s comprise the victims of identity theft with EAs rounding out at about two-thirds or 66.6%.

DEFINITIONS

The acronym PLAHNET52 rounds out the protected groups

Pacific Islander Americans               

LGBTQIA2S+                                   

African Americans                           

Alaska Native Corporations              

Alaska Natives                                  

Asian                                                 

Asian Indians    

                                

Hasidic Jews 

Hispanic-Americans

Native Americans 

Ex-Offenders

Tribal entities

52 (5A’s & 2H’s)

See 15 C.F.R. § 1400.1

e.g. immigrants, Muslims, disabled, etc.

There is no quick way to fix your SoJOR. In fact, out of all of the ways to improve an SoJOR score, quick-fix efforts are the most likely to backfire – because by definition, income inequality resulting from racism and bigotry has its roots before our Constitution was signed, so beware of any advice that claims to improve your SoJOR fast if you just change your mailing address or similar.

The best advice for improving your social justice score is to manage it responsibly over time and be willing to take the risk. In the end, you will have reduced political risk, social and political violence, and macroprudential risk for your neighborhood, your diaspora, and our Country.

4 Important Things You Can Do Right Now

If you haven't done so yet, you need to review your (1) housing profile and (2) positive verbal conversation with a participant who identifies as a race other than your own. Also review (3) how you self-identify, and your (4) income, before you see improvements in your social justice score.

The following tips will help you with that. They are divided into categories based on the data used to calculate your Social Justice Outerchange Rating (SoJOR).

How to improve my Social Justice Outerchange Rating (SoJOR)™

1. Housing Profile

Contributing 55% to your SoJOR is this category. It has the greatest effect on improving your score. There is a direct correlation between homeownership and building wealth. Scarce PLAHNET52 (P52) who live within 2 houses or apartments on either of four sides of EAs will improve your Social Justice Rating. The inverse of this is also true.

Scarce PLAHNET52 (P52) who live within 2 houses or apartments on either of four sides of EAs will improve your Social justice Pricing Score. This 2:1 ratio of 2 EA houses next to every 1 P52 house, where anyone can receive a bona-fide purchase offer, represents the current American demographic. In other words, about one-third or 33.3% of P52s comprise the victims of identity theft with EAs rounding out at about two-thirds or 66.6%.

The impact of the concentration of EAs in one zip code is responsible for:

• Increase in identity theft.
• Housing Affordability crisis.
• The hoarding of resources.
• Control of the housing stock.
• Exaggeration of property values.
• Sustaining high purchase prices.
• Driving up housing costs.
• Fostering insular communities.
• Limiting exposure to different perspectives.
• Sustaining or worsening racial income inequality wealth gap.

Historical problems of racially segregated Congressional Districts, States, Counties, Municipalities, Political Subdivisions, Townships, Schools, Village bonds, Public Utilities, Special Tax Districts, or entire MSA’s (CRA assessment area) neighborhoods, streets, blocks, apartment buildings, apartment floors, houses, neighbors, roommates, and families result in clustered living conditions ripe for unequal appraisals.

How We Got Here

America has not always been racially segregated in housing. From 1863, the Reconstruction Era, through 1910, a period of about 50 years, there was integrated housing in America. For 1 or 2 generations, that is what normal looked like. Baltimore’s Fulton Avenue was the first city to experiment at the block level by legalizing exclusionary zoning as a sledgehammer to induce residential segregation in 1910. It designated all-white and all-black blocks in areas where individuals of both races were forced to live apart.

Quantifying Geography is Well Established

Quantifying geographic pricing is not new. Here are well-known established examples: In-State versus Out-of-State tuition; Taxi/Uber zone prices; Surge pricing; Airline passenger seats, Orchestra seats; Car Insurance (Geo); SALT Tax; Ironworks; pharmaceuticals in Canada; hotel rates, FreshPlum, Amazon, Staples and videogame store Steam all vary their prices by geographic location some by as much as 166% (offered as a discount and never a surcharge).

Gasoline pricing is zone-based on a complex and secret weighting of attributes:

Number of competing stations

Number of vehicles

Average traffic flow

Population density

Geographic characteristics

There are 12 regional judicial circuits, each with its own damage awards, fees, Court costs, etc.

There are also (12) twelve Federal Reserve Bank Districts. These decentralized district boundaries were based on prevailing trade regions that existed in 1913 and related economic considerations. As a result, they do not necessarily coincide with State lines.

Examples of race-based pricing is found here.

2. Positive Verbal Conversation

Contributing 35% to your SoJOR. Simply by downloading the Ginicoe App and enabling the voice interactive slider along with what-3-words maps enables you and a would-be neighbor or guest to both increase your SoJOR score. Conversely, if the verbal conversation is not good, you can also submit a bad review regarding that would be neighbor or guests. Your Participant ID is used for tracking where your enabled conversation score history can easily be tracked on your dashboard. You may turn it off or on. It is your choice. Here are the metrics for your

Positive Verbal Scoring Reviews

Star Rating Choice	Conversation Attributes
*****	Shows Tenderness, Kindness, Generosity, Receptive to Others.
*****	SLANT: Sit-up, Lean Forward, Ask Questions, Nod Your Head, Track Your Speaker.
****	Business Conversations – contracts, sales, capitalism.
****	Intellectual – thought provoking (e.g. problem solving)
****	Good Conversationalist starts in one place and ends up in another.
***	The other person fails to see how you experience the world.
***	Listen to Learn has deteriorated and the other person has shifted to response mode.
**	The other person mis-sees you entirely.
*	Angry – loud yelling, argumentative (hate noise)
-	Non-verbal (back turned, hand over ears, flipping the bird, talk to the hand, etc
-	Yelling (e.g. Hate noise)
-	Threats of violence; Acts of violence

How often is verbal scoring updated? once a month

You can generally expect your score to update at least once a month, but it can be more frequently if you have multiple verbal communication reviews. Each time any one of your reviewers sends us information — your score may refresh.

Other examples of positive verbal conversation: is at your place of worship. BTW: You earn 2x points for positive conversations on your day of worship. Ironically, this is the most racially segregated day of the week!

3. Gender

Contributing 5% to your SoJOR score. How you self identify will determine this score. Ginicoe endorses The Equal Pay for Equal Work Act of 1963.

4. Income

Contributing 5% to your SoJOR. Once we verify and authenticate your reported total net worth your SoJOR will be adjusted accordingly.

Other examples of "segmentation pricing" such as Income social justice pricing are wealth advisors, financial planners, sliding scales, co-pays, deductibles, assets under management, houses of worship collect a tithe, child adoption agencies, lawyers receive 33.3% of your damage award from contingency fee pricing, state lottery agents, ESG ratings, risk assessments, political violence insurance (PVI) carriers, Get a rate based on you aka DriveWise (Allstate™), and many others.

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Exemptions from the SoJOR Housing Component

As a reminder, your housing component makes up over half, or 55% of your SoJOR score. Participants who are in the listed 'exemption' category will never fall below 800. However, all participants are encouraged to improve their housing scores.  Participants who enjoy this exempt safeguard are invited and urged to participate to help our Nation become a more perfect union, pursuant to the 2:1 ratio guidelines above.

Tribal Lands

Ancestral Grounds

Farmers, including Family Farms

• A family farm is excluded. It is any farm real estate property in which the majority of the business is owned by an operator and any individuals related to them by blood, marriage, or adoption, including relatives who do not live in the operator’s household, yet actively operate the farm. The operator must meet two strict test:

Key details regarding the "Farm and Family Farm exemption" and requirements:

• 50% Test: Over half of all personal services performed by the operator in all trades/businesses during the year must be in real property farm trades or businesses.
• 750-Hour Test: The operator must spend more than 750 hours of service in real property farm trades or businesses in which they materially participate.
• Material Participation: The operator must be involved in the operations of the farming activity on a regular, continuous, and substantial basis.
• Married Farmer: The 50% and 750-hour tests must be met by one spouse alone.

The farm and family farm exemption does not include hobby or beginner farmers.

Ranchers

• A ranch is also exempt. It is by most definitions, defined as between 60 acres or more in size, used for raising grazing livestock like cattle, sheep, goats, elk, fish, or horses for commercial profit, focusing on animal husbandry and pasture management by fencing rather than crops and devoted primarily to where livestock is bred, raised, watered, branded, and supported (although there is some variation depending on the region and how it's managed). In some areas, a ranch may have a specific legal definition. At least two vaqueros also meet our exempt criteria. This does not include hobby or beginner ranchers.

Special Case Exemptions

Natural Disaster Victims due to Fires, floods, hurricanes, earthquakes, tornadoes, tsunamis, mudslides, and similar housing and community natural disasters. Victimized participants by State and County as designated by FEMA are exempt for 24 months after FEMA closes the case. (Ex: 18mo of FEMA + 24mo = 42mo)

An extension to 36 or 48 months from the event commencement date may be granted on a case-by-case basis. The maximum exemption by county will never exceed 48 months for the same event.

All victims are strongly encouraged to build back better to improve the heavily weighted housing component of SoJOR.

Senior Citizens age 80 or older

Disabled Veterans

- Episodes of extreme, unusual weather or other natural events that create a natural environment ripe for conflict or large-scale humanitarian crises of human migration & refugee relocation are exempt.

- Dedicated commercial property (mixed-use is not exempt), mobile & trailer homes, group homes, on-campus student housing, correctional facilities, military bases, health care facilities, temporary lodging, hotels, motels, and shelters are all exempt.

________________________

NOT Exempt From Housing Score

Man-made Disasters – when an event organizer is granted a permit to protest, assemble, parade, rally, march, chant, sing, display slogans, sit-in, picket, demonstrate, participate in the blockade of food, medical, or political expression on land, air, or sea or technology or other forms of expression and if that organizer or members in uniform, or other attendees either expressly or indirectly destabilize the 2:1 ratio mandate.  It is this destabilization that often triggers insurance claims of property damage, defamation, injury, or in the worst-case scenario, loss of life. Events that trigger these insurance claims will necessarily result in a municipal bond downgrade linked to the individual or individuals' county during their formative years from birth to age 12. For these purposes, the event organizers will receive an auto-generated lower housing score.

Adjusting Your SoJOR Score

We are happy to update your SoJOR profile.

Just drop us a line at memberservices[@]ginicoe.com and let us know how we can help.

Ginicoe's Social Justice Outerchange Ratings (SoJOR), Calculations, algorithms, and formulas are protected by U.S. Patents and Trademarks and service marks. Additional patents may be pending in the U.S. and other countries.