Which of the following is an example of modern institutional discrimination?
a) basing hiring on education, when a minority group has had less opportunity to go to college
b) banks using strict economic criteria denying low-income minority loans in formerly segregated housing
c) the principle of seniority, in which the last hired is the first fired, when minorities were not eligible for earlier positions
d) when businesses move out of the central city to reduce their overhead costs

 All of the above options are true, as the modern institutional discrimination is basically refers that when someone are treated in different manner and unfair in this modern society based on various factors such as age, religion and race.

The modern institutional discrimination is technically refers to the distribution of various types of power, opportunity, benefits and the resources in the society according to the religion and color.

It discriminate between people and treat them un-equality not judge them according to their knowledge. Therefore, all the above options are the examples of modern institutional discrimination.  

watching over my siblings so they are safe.

it is a part of john locke's natural rights popular during the age of enlightenment that people had inalienable rights to life, liberty and property. this was reflected by thomas jefferson in his declaration of independence as rights to life,liberty and the pursuit of happiness.

another line in the declaration of independence is that people have certain rights just because they are human. humans are capable of obeying the three natural rights john locke mentioned making them governable by these laws and therefore entitled to these rights as well.