Who is a system of racism

Systemic racism (mostly known as institutional racism) is a form of racism expressed in the practice of social and political institutions. It is reflected in disparities regarding wealth, income, criminal justice, employment, housing, health care, political power and education, among other factors.

answer; (b) capitalism;

the question deals with financial planning and the answer is that dan did not stay on budget due to the fact that this guy needs to start decreasing his discretionary spending. according to the financial plan, he needed to balance his expenses and resources.