                                    In the

       United States Court of Appeals
                     For the Seventh Circuit
                         ____________________
No. 17-1701
ANGELA RILEY,
                                                        Plaintiff-Appellant,
                                      v.

CITY OF KOKOMO, INDIANA HOUSING AUTHORITY,
                                    Defendant-Appellee.
                         ____________________

           Appeal from the United States District Court for the
                       Southern District of Indiana.
       No. 1:15-cv-00391-WTL-DML — William T. Lawrence, Judge.
                         ____________________

  ARGUED JANUARY 18, 2018 — DECIDED NOVEMBER 20, 2018
                ____________________

    Before SYKES and HAMILTON, Circuit Judges, and LEE, Dis-
trict Judge. ∗
   LEE, District Judge. Angela Riley worked for the Kokomo
Housing Authority for eight years before she was terminated
in May 2014. During her employment, Riley suffered from sei-



   ∗   Of the Northern District of Illinois, sitting by designation.
2                                                   No. 17-1701

zures, anxiety disorder, post-traumatic stress disorder, bipo-
lar disorder, and depression, which required her to take vari-
ous leaves of absence. She now claims that the housing au-
thority improperly denied her requests for medical leave and
retaliated against her for these requests by disciplining and
terminating her, all in violation of the Family and Medical
Leave Act, 29 U.S.C. § 2601 et seq. She also asserts that the
housing authority failed to make reasonable accommodations
and discriminated and retaliated against her in violation of
the Americans with Disabilities Act, 42 U.S.C. § 12101 et seq.
Finally, Riley claims that she was subjected to retaliation for
engaging in protected activity in violation of Title VII of the
Civil Rights Act of 1964, 42 U.S.C. § 2000e et seq., and the Fair
Housing Act, 42 U.S.C. § 3617.
   The district court entered summary judgment in favor of
the housing authority on all claims. We affirm.
                       I. BACKGROUND
   Riley began working for the Kokomo Housing Authority
(“KHA”) as a front desk clerk in November 2008. KHA pro-
vides vouchers to low-income individuals and families to
subsidize rent in privately owned rental properties through-
out Kokomo, Indiana.
    Prior to working at KHA, Riley had been diagnosed with
bipolar disorder, anxiety disorder, depression, post-traumatic
stress disorder, and frontal lobe seizures. Her physician’s as-
sistant certified that, due to these medical conditions, Riley
required periodic breaks between one to eight hours per day,
for up to two days per week. Beginning in March 2010, Riley
requested, and KHA granted her, intermittent leave under the
Family and Medical Leave Act (“FMLA”).
No. 17-1701                                                   3

   KHA laterally transferred Riley to another position in
April 2010, requiring her to split her time between two offices.
When working in the second office, Riley was assigned to
work in a closet. Riley felt that she was being punished for
taking medical leave and repeatedly asked her superiors why
she was being punished.
    Eight months later, in December 2010, KHA promoted Ri-
ley to the position of low-rent-application processing clerk.
As a result, she received a pay raise and was moved to a dif-
ferent workspace. Her duties in the new position included
processing applications for public housing, interviewing ap-
plicants, maintaining a wait list and applicant files, and com-
municating with approved applicants when units became
available.
    Because her medical bills were mounting, Riley applied
for social security disability benefits in 2011. Cheryl Morrow,
KHA’s Director of Human Resources, had suggested that Ri-
ley apply so that she would be eligible for Medicare and Med-
icaid benefits. But when a representative from the social secu-
rity office informed Riley that she would have to quit her job
to qualify for the benefits, Riley decided not to pursue it. As
Riley sees it, Morrow’s suggestion that Riley apply for bene-
fits reveals an intent to discriminate against her on the basis
of her disability.
    In 2012, Riley submitted written complaints about several
of her coworkers to Debra Cook, KHA’s Chief Operating Of-
ficer. In them, Riley complained that a male coworker had a
habit of wearing jeans that exposed his upper buttocks, that
another coworker was treating clients rudely and disrespect-
fully without receiving any correction or discipline, and that
4                                                 No. 17-1701

her female supervisor had poor personal hygiene and rou-
tinely hugged Riley and kissed her cheek. Cook addressed
these concerns with the employees, and the issues were re-
solved.
   During this same period, other KHA employees regularly
complained to Cook about Riley. In short, they reported nu-
merous incidents when Riley had treated them in a negative
and demeaning manner.
    In September and October 2013, Riley requested and re-
ceived 43 days of FMLA leave from KHA. Riley sought addi-
tional medical leave for doctor appointments in February
2014. And, although she had exhausted her available leave
time, KHA gave Riley time off to attend them.
   In March 2014, KHA issued Riley a written warning for
insubordination for allowing a KHA tenant to transfer from
one housing unit to another without obtaining the necessary
approvals. What happened is not in dispute.
    When a KHA tenant wishes to transfer from one unit to
another, KHA requires the tenant to submit a written transfer
request. The request is reviewed by KHA, and if approved,
the tenant’s information is provided to someone in Riley’s po-
sition so that arrangements can be made for the tenant to see
the new unit.
   On March 6, 2014, Riley arranged for a friend, a KHA ten-
ant who wanted to move to another housing unit, to visit a
new unit. However, the friend had not submitted a transfer
application to KHA, nor had the friend been approved for a
transfer. That same day, Riley provided the tenant’s name to
Margaret King, a KHA leasing specialist, and explained that
her friend would be transferring from one unit to another.
No. 17-1701                                                   5

King requested the tenant’s file, and Riley assured her that the
file would be forthcoming. Based on Riley’s representations,
King assumed that the transfer had already been approved
and leased the new unit to Riley’s friend.
    Because KHA had not approved the transfer, it issued a
verbal warning to King and a written warning to Riley for in-
tentionally circumventing the transfer policy and for insubor-
dination. According to Riley, she was falsely blamed for the
unapproved transfer because her only involvement in the
process was to schedule appointments for prospective tenants
to view units.
    Riley was involved in another incident a couple of months
later. On Wednesday, May 7, 2014, Riley discovered that new
tenants were moving into a housing unit that she believed
was on administrative hold and unavailable to rent. She im-
mediately contacted two KHA property managers, Tina Bellis
and Carol Kindlesparker, and objected to the unauthorized
move. To investigate whether the move was unauthorized,
Bellis spoke to Cook, who explained that the move involved
special circumstances.
    When Bellis relayed this explanation to Riley, Riley be-
came upset because she believed that Cook had circumvented
KHA procedures with impunity, whereas she had received a
written warning. Riley called Cook’s office to discuss the mat-
ter, but was informed that Cook was busy. Riley then called
the Indianapolis office of the United States Department of
Housing and Urban Development (“HUD”) to report the in-
cident. The HUD representative told Riley that he would for-
ward the information to his boss and that Riley should call
HUD’s civil-rights department.
6                                                           No. 17-1701

   Later that day, Bellis complained to Cook that Riley had
been extremely confrontational and disrespectful when
broaching the matter with her and Kindlesparker. In re-
sponse, Cook directed Kindlesparker to tell Riley that Cook
wanted to see her.
     Although she disputes that Kindlesparker relayed this re-
quest to her, Riley admits that she called Cook later that day
to say that she did not need to speak with her because she had
already reported the matter to HUD. When Cook informed
Riley that the people moving into the unit were cooperating
with the Kokomo Police Department in an undercover opera-
tion, Riley retorted, “[I]f you have nothing to worry about and
it’s legit, then we don’t have a problem.” According to Riley,
Cook also stated that whenever Riley reported anything to
HUD, it costs KHA money (although Cook disputes this).
   That same day, Cook decided to terminate Riley’s employ-
ment based upon her refusal to come to Cook’s office, her ag-
gressive and unprofessional behavior toward Bellis and
Kindlesparker, her history of misconduct, and her mistreat-
ment of her coworkers. 1 Cook prepared a written notice of



    1    Cook attests that she alone decided to terminate Riley’s employ-
ment, and Morrow states that she was not involved in the decision. Riley
nonetheless contends that Morrow was involved in the decision because
she was the Director of Human Resources. But this is pure speculation. See
Houlihan v. City of Chi., 871 F.3d 540, 554 (7th Cir. 2017) (“[S]peculation
cannot defeat summary judgment.”). Beyond Morrow’s title, Riley offers
nothing to establish Morrow’s participation in the termination decision.
See R. 524 (“Q: Okay. Do you have any reason to dispute that Ms. Cook is
the person that made the decision to terminate your employment? A:
No.”).
No. 17-1701                                                    7

termination at 4:20 p.m. It was modified the following after-
noon, and Cook signed the notice on Friday, May 9, 2014.
   Riley did not come to work on Thursday, May 8, 2014. Nor
did she come to work on Friday, May 9, 2014. Instead, on Fri-
day, she called Morrow and left a voicemail message asking
that two vacation or sick days be applied to her absences. And
so Bellis and Morrow presented Riley with the termination
notice on Monday, May 12, 2014.
                         II. ANALYSIS
    We review de novo the district court’s grant of summary
judgment and draw all reasonable factual inferences from the
record in the nonmovant’s favor. Valenti v. Lawson, 889 F.3d
427, 429 (7th Cir. 2018). Summary judgment is appropriate
only if there is no genuine dispute of material fact and the
movant is entitled to judgment as a matter of law. Fed. R. Civ.
P. 56(a).
   A. FMLA Claim
    Riley claims that KHA improperly interfered with her
ability to take FMLA leave and disciplined and fired her in
retaliation for seeking FMLA leave. To establish FMLA inter-
ference, an employee must prove that: (1) she was eligible for
the FMLA’s protections; (2) her employer was covered by the
FMLA; (3) she was entitled to leave under the FMLA; (4) she
provided sufficient notice of her intent to take leave; and (5)
her employer denied FMLA benefits to which she was enti-
tled. Ridings v. Riverside Med. Ctr., 537 F.3d 755, 761 (7th Cir.
2008). Retaliation claims under the FMLA require that: (1) the
employee engaged in statutorily protected activity; (2) the
8                                                     No. 17-1701

employer subjected her to an adverse action; and (3) the pro-
tected activity caused the adverse action. Freelain v. Vill. of Oak
Park, 888 F.3d 895, 901 (7th Cir. 2018).
    The district court entered summary judgment in KHA’s
favor on Riley’s FMLA claims, finding that the housing au-
thority was not a covered employer because it did not have
the necessary number of employees. The court also held that
Riley had forfeited any argument that KHA was estopped
from asserting that she was not an eligible employee given
that it had approved her prior FMLA leave requests.
    But we need not address either of those issues here be-
cause, even if Riley were correct on both counts, we may af-
firm on any basis appearing in the record, see Skiba v. Ill. Cent.
R.R. Co., 884 F.3d 708, 718 n.4 (7th Cir. 2018), and Riley has
failed to present evidence sufficient for a reasonable jury to
find in her favor as to these claims.
    First, Riley asserts that, on May 9, 2014, she asked for leave
and was fired on account of her request. However, the undis-
puted facts show that Cook had already decided to terminate
Riley on May 7, 2014, before Riley requested leave. Accord-
ingly, no reasonable jury could find that Riley was terminated
because of her FMLA leave request on May 9 or that KHA acted
to interfere with her FMLA leave on that date. See Ennin v.
CNH Indus. Am., LLC, 878 F.3d 590, 597 (7th Cir. 2017) (district
court properly entered summary judgment in employer’s fa-
vor on FMLA interference and retaliation claims where em-
ployer decided to terminate employment before employee
had requested FMLA leave); see also Guzman v. Brown Cty., 884
F.3d 633, 640 (7th Cir. 2018) (FMLA retaliation); Nicholson v.
Pulte Homes Corp., 690 F.3d 819, 828–29 (7th Cir. 2012) (FMLA
interference).
No. 17-1701                                                        9

    Riley also claims that KHA retaliated against her for exer-
cising her rights under the FMLA prior to May 9, 2014. In sup-
port, Riley relies on the following facts. She had requested
(and was granted) FMLA leave from September 18 through
October 31, 2013. She also sought medical leave days in Feb-
ruary 2014, but was told that her leave time had been ex-
hausted. Then, in March 2014, KHA issued Riley a written
warning arising from the incident involving her friend, which
Riley contends was in retaliation for her prior FMLA leave re-
quests.
     We have repeatedly held that “‘[s]uspicious timing alone
rarely is sufficient to create a triable issue,’ and on a motion
for summary judgment, ‘mere temporal proximity is not
enough to establish a genuine issue of material fact.’” Cole v.
Illinois, 562 F.3d 812, 816 (7th Cir. 2009) (quoting Andonissamy
v. Hewlett-Packard Co., 547 F.3d 841, 851 (7th Cir. 2008). Rather,
a “plaintiff must ordinarily present other evidence that the
employer’s explanation … was pretext for retaliation.” Tibbs
v. Admin. Office of the Ill. Cts., 860 F.3d 502, 505 (7th Cir. 2017).
    Here, it is undisputed that five months elapsed between
the end of Riley’s FMLA leave in October 2013 and the written
warning. Furthermore, although Riley had requested leave in
February 2014 for medical appointments and was told that
her leave had been exhausted, she was allowed time off for
her appointments nonetheless. Without more, these events, in
and of themselves, are insufficient to establish a genuine issue
of material fact to survive summary judgment. And Riley has
not presented any other evidence from which a reasonable
trier of fact could find that KHA’s reason for issuing the writ-
ten warning to Riley, i.e., her involvement in the unauthorized
transfer, was a pretext for FMLA retaliation. See Harden v.
10                                                No. 17-1701

Marion Cty. Sheriff’s Dep’t, 799 F.3d 857, 864 (7th Cir. 2015)
(pretext “involves more than just faulty reasoning or mis-
taken judgment on the part of the employer; it is [a] lie, spe-
cifically a phony reason for some action”) (quoting Argyropou-
los v. City of Alton, 539 F.3d 724, 736 (7th Cir. 2008)).
     For her part, Riley points out that another employee in-
volved in the unauthorized transfer received only a verbal
warning, while others received no discipline of any kind. But
it is undisputed that it was Riley who instigated the unauthor-
ized transfer by arranging for her friend to see a new unit and
notifying other employees that her friend’s transfer would be
approved even though her friend had not even filed a transfer
application. In the face of this, Riley has presented no facts
that call into question KHA’s assessment that Riley’s role
made her more culpable than others.
    Riley also claims that KHA improperly denied her leave
for her medical appointments in February 2014, because it in-
correctly calculated her leave time. But Riley concedes that
KHA allowed her to take time off anyway. Given this admis-
sion, no reasonable jury could conclude that Riley was denied
any FMLA benefits in February 2014, regardless of KHA’s po-
sition that she had used up her leave. Accordingly, we con-
clude that the district court properly entered summary judg-
ment as to Riley’s FMLA claims.
     B. ADA & Title VII Claims
    Riley also argues that the district court erred by entering
summary judgment with respect to her reasonable accommo-
dation, discrimination, and retaliation claims under the
Americans with Disabilities Act (“ADA”), as well as her retal-
iation claim under Title VII.
No. 17-1701                                                    11

       1. ADA Reasonable Accommodation
    First, Riley challenges the district court’s determination
that her ADA reasonable accommodation claim was beyond
the scope of her EEOC charge. “An ADA plaintiff must file a
charge with the EEOC before bringing a court action against
an employer.” Whitaker v. Milwaukee Cty., 772 F.3d 802, 812
(7th Cir. 2014) (citing 42 U.S.C. § 12117(a)). “[A] plaintiff is
barred from raising a claim in the district court that had not
been raised in his or her EEOC charge unless the claim is rea-
sonably related to one of the EEOC charges and can be ex-
pected to develop from an investigation into the charges ac-
tually raised.” Green v. Nat’l Steel Corp., 197 F.3d 894, 898 (7th
Cir. 1999).
    Riley asserted the following in her EEOC charge: (1) “The
stress from work caused my disability to be aggravated for
four days at the end of April and beginning of May, 2014,
causing me to go to the hospital and to the doctor”; (2) “I re-
quested FMLA leave for May 8, 2014, and vacation leave for
May 9, 2014”; (3) “On Monday, May 12, 2014, I returned to
work and was terminated for a reason that was not true”; and
(4) “I believe that I am being discriminated against due to …
my disability ... .”
    Our decision in Green v. Nat’l Steel Corp. is helpful here. In
that case, the plaintiff alleged in her EEOC charge that her em-
ployer had fired her because of her disability. 197 F.3d at 897.
Green then filed a lawsuit against her employer claiming,
among other things, that her employer had terminated her
employment and failed to accommodate her disability in vio-
lation of the ADA. Id. In determining that the failure to ac-
commodate claim was outside the scope of the charge, we em-
phasized that “a failure to accommodate claim is separate and
12                                                 No. 17-1701

distinct from a claim of discriminatory treatment under the
ADA.” Id. at 898. “In fact, the two types of claims are analyzed
differently under the law.” Id. “Therefore, they are not like or
reasonably related to one another, and one cannot expect a
failure to accommodate claim to develop from an investiga-
tion into a claim that an employee was terminated because of
a disability.” Id.
    Similarly, Riley alleged in her EEOC charge that she had
been terminated from her job because of her disability, but she
omitted any allegation that KHA had denied her a reasonable
accommodation under the ADA. Accordingly, we affirm the
district court’s ruling on this ground.
       2. ADA Discrimination & ADA & Title VII Retaliation
    Next, we turn to Riley’s appeal from the district court’s
ruling entering summary judgment as to her disability and
retaliation claims under the ADA and on her retaliation
claims under Title VII. In response to KHA’s summary judg-
ment motion, Riley merely listed twenty-five facts to support
her discrimination and retaliation claims, leaving it up to the
district court to surmise which facts supported which claim
and how those facts operated to defeat summary judgment as
to each claim. Riley faults the district court for entering sum-
mary judgment on the ground that she failed to develop co-
herent arguments, claiming that “facts usually speak for
themselves … without arguments from counsel … .”
   To the contrary, a party opposing a summary judgment
motion must inform the district court of the reasons why sum-
mary judgment should not be entered. Domka v. Portage Cty.,
523 F.3d 776, 783 (7th Cir. 2008) (internal quotation marks
omitted). “If it does not do so, and loses the motion, it cannot
No. 17-1701                                                    13

raise such reasons on appeal.” Id.; see Econ. Folding Box Corp.
v. Anchor Frozen Foods Corp., 515 F.3d 718, 720 (7th Cir. 2008)
(“[I]t is axiomatic that an issue not first presented to the dis-
trict court may not be raised before the appellate court as a
ground for reversal.”). “It is not the obligation of th[e] court
to research and construct the legal arguments open to parties,
especially when they are represented by counsel.” Beard v.
Whitley Cty. REMC, 840 F.2d 405, 408–09 (7th Cir. 1988); see
Schaefer v. Universal Scaffolding & Equip., LLC, 839 F.3d 599, 607
(7th Cir. 2016) (“Perfunctory and undeveloped arguments are
waived, as are arguments unsupported by legal authority.”).
    The district court was understandably flummoxed by Ri-
ley’s response to KHA’s summary judgment motion. Riley’s
brief darted from topic to topic with no frame of reference to
guide the district court in its analysis of the claims. Her scat-
tershot approach also ignored significant issues raised by
KHA. Perhaps the most puzzling aspect of Riley’s response
brief was the conflation of her discrimination and retaliation
claims. We cannot fault the district court for refusing to ex-
pend its limited judicial resources to unknot this impenetrable
tangle.
    As it stands, even after considerable effort, we cannot
glean from Riley’s filings or the record any evidence that
would support a claim that KHA acted with discriminatory
or retaliatory intent. For example, to the extent that Riley ba-
ses any claim on her designation to a closet-sized office in
2010, such a claim is untimely. In her EEOC charge, Riley
stated that she immediately complained to her supervisors
that the assignment was in retaliation for requesting time off
for her disability. Accordingly, a reasonable person in her po-
sition would have known at the time that she had a claim, and
14                                                  No. 17-1701

filing a charge four years later came too late. See Garrison v.
Burke, 165 F.3d 565, 569–70 (7th Cir. 1999) (“Acts that fall out-
side the statute of limitations may be joined to an act within
the statute only if a reasonable person in the position of the
plaintiff would not have known, at the time the untimely acts
occurred, that she had a claim.”).
    By way of another illustration, Riley claims that KHA dis-
criminated and retaliated against her by issuing the written
warning and later terminating her. But, as we have discussed,
the five-month span between her request for disability leave
and the written warning, as well as the undisputed fact that
the decision to terminate her employment occurred before she
requested time off in May 2014, are insufficient to create an
inference that her requests caused the adverse employment
action. Furthermore, Riley cannot point to a single similarly-
situated employee of KHA who received more favorable
treatment but was not in her protected class or had not en-
gaged in the protected activity. And, insofar as Riley posits
that Morrow harbored animus against her because of her dis-
ability, there is no evidence that Morrow took part in the ter-
mination decision. What is more, Riley has offered no evi-
dence to undermine KHA’s proffered reasons for the warning
and termination.
    Lastly, as far as we can decipher, Riley (who was a tenant
of KHA) also contends that KHA further retaliated against
her after she was fired by issuing eviction notices to her for
failing to pay a sewage bill and sending her a warning letter
when she refused to allow a prearranged contractor into her
unit. But Riley admits that her sewage bill was overdue and
that, after she paid it, she was permitted to remain in her unit.
It also is undisputed that Riley suffered no ill consequences as
No. 17-1701                                                    15

a result of the warning letter and continued to reside in her
unit until she voluntarily vacated it.
   These are a few examples that we have been able to de-
duce from Riley’s submissions. And they do nothing to sup-
port Riley’s attempts to forestall summary judgment.
    In the end, our adversary system relies on parties to raise
issues and present them in the appropriate manner. Sanchez-
Llamas v. Oregon, 548 U.S. 331, 356 (2006). Because the district
judge was not required to do Riley’s work for her, we affirm
the entry of summary judgment in KHA’s favor on Riley’s
disability and retaliation claims under the ADA and retalia-
tion claims under Title VII.
   C. FHA Retaliation Claim
    Finally, Riley challenges the district court’s decision enter-
ing summary judgment as to her retaliation claim under the
Fair Housing Act (“FHA”). To withstand summary judgment,
Riley needed to show, among other things, that KHA “co-
erced, threatened, intimidated, or interfered with [her] on ac-
count of [her] protected activity under the FHA.” East-Miller
v. Lake Cty. Highway Dep’t, 421 F.3d 558, 563 (7th Cir. 2005); see
Bloch v. Frischholz, 587 F.3d 771, 783 (7th Cir. 2009); White v.
U.S. Dep't of Hous. & Urban Dev., 475 F.3d 898, 907 (7th Cir.
2007).
   The FHA prohibits any housing practice that “discrimi-
nate[s] against any person in the terms, conditions, or privi-
leges of sale or rental of a dwelling, or in the provision of ser-
vices or facilities in connection therewith, because of race,
color, religion, sex, familial status, … national origin … . [, or
handicap.]” See 42 U.S.C. §§ 3604(b), (f)(2). And, to ensure that
16                                                    No. 17-1701

its statutory mandate is enforced, the FHA protects an indi-
vidual’s ability to report a discriminatory housing practice to
a housing provider or other appropriate authority. See 24
C.F.R. § 100.400(c)(6).
    As Riley sees it, she has created a genuine dispute of ma-
terial fact as to this issue by presenting evidence that she
called HUD to report what she believed to be fraudulent ac-
tivity and was told to contact HUD’s civil-rights department.
In her view, this is enough to demonstrate (at least at the sum-
mary judgment stage) that she had engaged in protected ac-
tivity and was fired as a result.
    But there is no evidence that she called HUD to report a
discriminatory housing practice. In fact, Riley admitted dur-
ing her deposition that she called HUD to report Cook’s fail-
ure to adhere to KHA procedures, conduct that Riley consid-
ered fraudulent, stating “When my CEO didn’t follow direc-
tions, and she expects everyone else to, yes, that’s when I
called and reported her.” Suffice it to say that reporting ap-
parent mismanagement is not equivalent to reporting a dis-
criminatory housing practice. And Riley herself concedes that
she did not know whether the people moving into the unit in
question were treated differently because of their race, color,
religion, sex, familial status, national origin, or disability.
Given this record, no rational jury could find that Riley rea-
sonably believed she was reporting a discriminatory housing
practice. Cf. Lord v. High Voltage Software, Inc., 839 F.3d 556,
563 (7th Cir. 2016) (stating that a Title VII retaliation claim re-
quires that a plaintiff have a “sincere and reasonable belief”
that “the complained-of conduct entailed a motive that Title
VII prohibits”), cert. denied, 137 S. Ct. 1115 (2017).
No. 17-1701                                                     17

     Riley makes much of the fact that the HUD representative
told her to contact HUD’s civil-rights department. But, given
her undisputed account of what she told him—which had
nothing to do with housing discrimination—it is unreasona-
ble to infer from this statement alone that Riley reasonably
believed she was reporting a discriminatory housing practice.
See Roger Whitmore's Auto. Servs., Inc. v. Lake Cty., 424 F.3d 659,
669 (7th Cir. 2005) (to defeat summary judgment, plaintiff
must present something beyond “bare speculation or a scin-
tilla of evidence”). Because Riley does not present facts from
which a rational jury could find that she had engaged in pro-
tected activity when she called HUD, summary judgment was
appropriately entered as to her FHA retaliation claim.
    As a final note, we agree with the district court that Riley’s
other arguments in support of her retaliation claim under the
FHA were undeveloped. Having failed to first present these
arguments to the district court, she may not raise them now
as a ground for reversal. See In re Veluchamy, 879 F.3d 808, 821
(7th Cir. 2018).
   The judgment of the district court is AFFIRMED.
