That's what bothers me Hope.I believe in fairness. I believe in equal opportunity (but not equal outcome). However, affirmative action and other quota schemes are not fair, nor are they equal.
And to re-ask my earlier question, does my wife need to pay herself reparations?
Imagine that somehow the government had the power to strip everyone of all their wealth (not all that difficult to imagine is it?) then redistributed it giving nothing to people with your skin color and finally declared "Everyone has equality of opportunity, go do your best". Now some people out of your group would beat the odds but most would be handicapped beyond hope.
I don't know exactly how to fix it... but I think Bush had part of the right idea when he set as a goal to increase black home ownership. That is a good basic foundation for capital.