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What's CODE SWITCH? It's the fearless conversations about race that you've been waiting for. Hosted by journalists of color, our podcast tackles the subject of race with empathy and humor. We explore ...

Amanda Smith is a freelance journalist and writer. She reports on culture, society, human interest and technology. Her stories hold a mirror to society, reflecting both its malaise and its beauty.

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Mira Norian / Investopedia A bank identification number (BIN) is the initial set of four to ...