The plants they worked at, belonging to various major and minor manufacturers, were spread around the city. The workers tended to live along extended bus and streetcar lines leading to their workplaces. The result of these influences, beginning already by the 1920s, was that many workers bought or built their own single-family or duplex homes. They did not tend to live in large apartment houses, as in New York, or in closely spaced row houses as in Philadelphia. After New Deal labor legislation, high auto-union secured wages and benefits facilitated this willingness to take on the cost and risk of home ownership. These decentralizing trends did not have equal effects on African-American residents of the city. Black Detroiters tended to have far less access to New Deal mortgage support programs such as Federal Housing Authority and Veterans Administration insured mortgages. African-American neighborhoods were viewed by lenders and the federal programs as riskier, resulting—in this period—in much lower rates of homeownership for African-Americans than other residents of the city. The auto industry also gave rise to a large number of high paying management and executive jobs. There were also large numbers of attorneys, advertisers, and other workers who supported the industry's managerial force. These workers already by the 1920s had begun to move to neighborhoods well removed from the industry's factories and higher crime rates. This upper stratum moved to outlying neighborhoods, and further, to well-to-do suburbs such as Bloomfield Hills and Grosse Pointe. Oakland County, north of the city, became a popular place to live for executives in the industry. "By the second half of the twentieth century, it was one of the wealthiest counties in the United States, a place profoundly shaped by the concentration of auto-industry-derived wealth." Public policy was automobile oriented. Funds were directed to the building of expressways for automobile traffic, to the detriment of public transit and the inner-city neighborhoods through which the expressways were cut to get to the auto factories and the downtown office buildings. These processes, in which the growth of the auto industry had played such a large part, combined with racial segregation to give Detroit, by 1960, its particularly noteworthy character of a substantially African-American inner city surrounded by mainly white outer sections of the city and suburbs. By 1960 there were more whites living in the city's suburbs than the city itself. On the other hand, there were very