The Loyalists were the people who remained loyal to the British Crown rather than were in favour of independence.
The Loyalist were on the average older and partially also richer: they were better established and therefore a change would be a risk for them. This was their reason: they were afraid of change and of loosing their position.
1. they provide the influence to decision makers and public policy through advocacy on behalf of members
A because the ratio from black to white near close to equal