Yes, unfortunately I have. I have witnessed applications being tossed because the name was "black". You hide your head in the sand. When you see a young black man driving a Mercedes what's the first thing that pops in your mind? He's a lawyer? Or he's a drug dealer? I have enough racist acquaintances to know what the answer is. When you have enough individual racism it just blends into the system. They are starting to teach critical race theory which IMO continues the systemic racism.No you haven't.