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Facts: A resident filed a complaint with the New Jersey Division on Civil Rights (DCR) against the owner for housing discrimination based on her race and her disabilities. She claimed that the management company treated her differently in the way it calculated a one-time subsidy for utility payments. She received a one-time annual utility credit in the amount of $225 from Life Line Credit Program of the State of New Jersey. The management company counted this subsidy toward her applicable annual income when calculating her monthly rental payment.