Friends are important because they will always be there especially best friends. Not everyone needs to have friends. Some people prefer to be more independent and that's okay too. If you so find friends just be sure to surround yourself with the right people and then they are awesome to have!
The Church of Jesus Christ of Latter Day Saints was founded by Joseph Smith. The religion is based off of the scripture translated by Joseph Smith, The Book of Mormon which is used in conjunction with The Holy Bible and The New Testament. A Christian religion, the LDS church believes in following the teachings of Jesus Christ.
<span>The fact that Banks in the 1990s were more likely to approve whites for home loans than blacks or Latinos is an example of: Institutional racism
Institutional racism is a form of racism that is carried out by big establishment toward a specific group.
During that period The banks saw blacks or Latinos as the ethnicity groups that tend to have weak economic capabilities so they think it would be easier to simply deny them from their service because it took too much risk.</span>
They're probably looking for false, but to be honest, I use it in my writing sometimes. It depends on the setting and character, or it should be specified as slang in nonfiction writing.