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What are we spending "hundreds of billions of dollars" on that we could save under the dictates of HBD theory?

Google "disparate impact".

Here's just one ~$4 billion example of tax payer money spent under the assumption that differences in loan approval rates were racist and not related to other factors.

http://www.nytimes.com/2013/04/26/us/farm-loan-bias-claims-o...

So your assertion is that (a) hundreds of billions of dollars are spent on antidiscrimination policies or settlement, and (b) that under a HBD regime, we would save this money by simply assuming that disparate outcomes are a result of immutable differences in ability?

Too a large extent they are unfortunately. I think that will be gradually accepted as the costs of genome sequencing fall.

Gottfredson, L. S. (2005). Implications of cognitive differences for schooling within diverse societies. Pages 517-554 in C. L. Frisby & C. R. Reynolds (Eds.), Comprehensive Handbook of Multicultural School Psychology. New York: Wiley.

www.edge.org/response-detail/10376

Speaking of genome sequencing, if "immutable" and problematic group differences exist, genome sequencing is a crucial step toward making them mutable. (And if they do not exist, genome sequencing will help establish that.)

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