Meet Christian financial guru Dave Ramsey, minus the faith

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A decade ago, as a Tennessee-based religion and enterprise writer for The Associated Press, I profiled Dave Ramsey.

I opened my 2003 story this way:

NASHVILLE, Tenn. — A chorus of cheers filled the Cornerstone Church’s arena-style sanctuary as Christian financial guru Dave Ramsey snapped a pair of metal scissors.

The crowd squealed with delight as Ramsey sliced a credit card in half.

“It’s called plastic surgery,” joked Ramsey, whose syndicated radio talk show airs daily on 160 stations.

Ramsey, 42, spent the past decade building a multimillion-dollar business by dispensing to the masses simple financial principles: Live on a budget. Don’t spend more than you make. Start an emergency fund. Get out of debt and stay out of debt.

It’s advice people crave. His financial how-to books have sold 2 million copies. “Financial Peace University,” a 13-week video series offered at churches, military bases and offices, will reach an estimated 75,000 people in 2003. And he’s written a money management curriculum used at 250 high schools.

I wrote about Ramsey again in 2009, covering his appearance at an Oklahoma City megachurch for Religion News Service.

Again, Ramsey’s faith figured prominently in my story:

As evidence of the significant interest in the one-time bankrupt real estate salesman who turned around his financial life based on biblical principles, consider the scene at an Oklahoma City-area megachurch on Thursday (April 23).

About 1,500 people showed up at Life Church that evening to hear Ramsey give a history of capitalism and explain why he believes the economy will survive the current woes.

But the crowd that saw the syndicated talk-show host in person was far from alone.

His free, nationwide “Town Hall for Hope” meeting was simulcast live to more than 6,000 churches, businesses and military bases — 10 times more venues than Ramsey initially thought might participate, he said.

“The one thing America needs right now is hope,” Ramsey said. “All we’re hearing in the news is how bad things are, and no one is talking about hope for the future. The truth is, fear is running rampant in America today, and people are making bad decisions based on that fear.”

Ramsey said he almost bought into the fear himself. But then he prayed.

“I talked to my dad and the fear left me,” he said, referring to God. “Fear is not a fruit of the Spirit.”

Ramsey’s message: “Hope doesn’t come from Washington. Hope comes from you and me. Hope comes from God.”

The private company that Ramsey founded in 1992 is called The Lampo Group. Lampo is the Greek word for “light” as referenced in Matthew 5 of the New Testament. If you go to the “About Dave” page at DaveRamsey.com, Ramsey touts The Lampo Group’s mission statement as not just lip service but the company’s mantra:

 ”The Lampo Group, Inc. is providing biblically based, common-sense education and empowerment which gives HOPE to everyone from the financially secure to the financially distressed.”

After that long-winded introduction, here’s my question for GetReligion readers: Would it be possible for a major newspaper to profile Ramsey without mentioning his Christian faith? Until a couple of weeks ago, my answer would have been an emphatic no. Then I came across a profile that — amazingly — accomplished that feat. (Talk about a holy ghost!)

Would you believe that said faithless profile appeared in Ramsey’s hometown newspaper, The Tennessean? Written by a reporter who normally covers the music industry, the story avoids any mention of religion. The top of the report:

When Sarah, a 28-year-old Atlanta woman, found out that her parents had forged her signature to receive a student loan, she called someone she trusted for advice on how to clear her name.

“Is there any way I can get my name taken off of this?” Sarah asked.

Exasperated, the voice on the other end of the line responded, “Good gosh. Financial child abuse.” The speaker told Sarah to file a police report if her parents didn’t repair the damage in a month.

It’s that kind of tough love, mixed with familial nurturing, mixed with financial advice, that people like Sarah, a recent caller into “The Dave Ramsey Show,” have come to expect over the past two decades from the voice on the other end of the line, show namesake and financial guru Dave Ramsey.

More than 8 million people tune in every week to hear the Brentwood-based radio personality dole out homespun financial advice, the kind prudent grandmothers gave and that generations built on credit have ignored.

Tough love. Familial nurturing. Homespun financial advice. But no biblical principles?

Ramsey has been known to quip, “Stupid is not illegal.” I won’t characterize The Tennessean’s exclusion of religion from this profile as stupid. It may just be that I’m not smart enough to understand it.

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Pod people: Forgiveness is such a simple word

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Forgiveness is such a simple word

But it’s so hard to do when you’ve been hurt 

The above lyrics from Kellie Pickler’s “I Wonder” provide a fitting introduction to this post.

On this week’s Crossroads podcast, host Todd Wilken and I discuss forgiveness and media coverage of it. We focus on two recent GetReligion posts touching on that subject.

The first related to my critique of a St. Louis Post-Dispatch story that opened this way:

STOVER, Mo. — Last Sunday, the Rev. Travis Smith paced First Baptist Church’s sanctuary, decorated for the holidays with poinsettias and a Christmas tree. He addressed his congregation, speaking to them about forgiveness.

Smith read verses from the Gospel of Matthew that follow the Lord’s Prayer:

“For if you forgive other people when they sin against you, your heavenly Father will also forgive you,” he said.

Since Smith’s arrest in October on sexual abuse and statutory rape charges, which follow similar allegations from 2010, forgiveness from his congregation has become critical to his survival as its pastor. It is this group of about 100 souls — not a bishop, nor a disciplinary committee nor national church leaders at a faraway headquarters — who will decide Smith’s future in the Southern Baptist Convention.

The second concerned my critique of a CBS News report on someone forgiving someone else for — at least based on the news account — some unknown reason.

As my original post noted, that report contained a major ghost.

Also on the podcast, Wilken and I talk about my critique of a USA Today story on a business marketing its products using an R-rated word.

We recorded the podcast before the tragedy in Connecticut, so I was thinking more clearly than I am now. However, I did forget the question about three or four sentences into one long-winded reply — but please don’t tell Wilken!

Anyway, check out the podcast and hug your children.

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Ho ho ho and Merry F-word!

On its Money section cover today, USA Today celebrates a business that’s using an R-rated word to market its products during the Christmas shopping season.

The headline in the print edition:

Urban Outfitters swears by naughty holiday catalog

The top of the story:

For Urban Outfitters, the choice of being naughty or nice in its 2012 Christmas holiday catalog was easy: naughty wins.

The edgy apparel seller has shipped out a holiday catalog that’s chock-full of naughtiness, including a $16 “It was f—ing awesome” photo album and a block candle that boldly spells out the f-word in wax. There’s even an $18 “Let’s f—ing reminisce” book.

Just a few years ago, Urban Outfitters might have received some serious, verbal raps on the knuckles from parents and protesters angered by the ultra-spicy language. But in today’s social-media environment, along with those verbal raps, it’s also receiving some surprising kudos from brand and marketing gurus.

“It’s brilliant, explosive, short-term marketing that generates buzz,” says Marian Salzman, a national trend-spotter and CEO of Havas PR. “It’s the right voice for the teen market.”

My first question for GetReligion readers: What do you think of including the majority of that word in print? Does the hyphen-hyphen-hyphen used in place of the missing three letters eliminate the shock value? Or would it be better to put, say, (expletive) in place of the word? Or  — as long as the nation’s newspaper deems the story newsworthy — would anyone advocate printing the entire word?

Speaking of newsworthy, do you consider this story such? Or does it appeal to the lowest common USA denominator?

The story is relatively short — about 400 words — and does not jump inside the Money section. So after reading the first part of the report, I was not overly optimistic that USA Today would bother to quote anyone with concerns about the, um, “ultra-spicy language.”

But to my surprise, the story proceeded to quote both a marketing expert and a Christian activist critical of the approach:

Not everyone is impressed.

“It’s all about getting up on Instagram or someone’s Facebook page,” brand guru Peter Madden says. “But this kind of marketing really isn’t so rebellious. It’s just kind of stupid.”

Worse than that, says Monica Cole, director of the activist Christian group One Million Moms, “it’s tasteless and vulgar.” Her organization, which is affiliated with the American Family Association, isn’t calling for a boycott but is asking its members to think hard before purchasing any Urban Outfitter products. “They’ll be losing business from conservative families,” she says.

Is that enough of the “other side” of the story? In a report this concise, probably so.

At the end of the story, I learned something new (sarcasm intended):

Specifically, to today’s teens, the f-word doesn’t even mean what it means to most adults, Salzman says. It no longer even has sexual connotations, she says. “It’s almost a synonym for ‘give me a break.’”

Would I sound like an old fuddy-duddy if I responded, “No, give me a break!”

Image via Shutterstock

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Who’s feeding the starving people?

If you’re familiar with USA Today, you know that the front page generally features a few short, newsy pieces and a longer “cover story” that goes in depth and jumps inside the newspaper.

Wednesday’s big story focused on the poor still struggling to recover in an Ohio county despite some overall positive signs on the economic front.

As the Gannett flagship newspaper is apt to do, the 1,800-word report mixes a rapid-fire barrage of sources: real people, experts and government data.

It didn’t take long for the story to raise my GetReligion antenna. Let’s start at the top:

TROY, Ohio — The rise in poverty here is evident in the mass of people who crowd the waiting room of the free health clinic every Thursday night — so many that the volunteer staff turns away about half of them.

It is marked by the bare shelves of the food pantry at Richards Chapel United Methodist Church, a one-story sanctuary where dozens of laid-off factory workers, retirees and young parents with children fill the dining hall daily for a free lunch.

And it is lived by Nancy Scott, a former stay-at-home mom working a temporary minimum-wage job, who says she had to choose between exhausting her paycheck on rent and utilities or living in her 1990 pickup.

She chose the truck.

This rural community, 22 miles north of Dayton, has seen an explosion of poverty in the past four years that is among the highest increases in the nation. Last year, 16,000 people lived in poverty in Miami County — one of every six residents, the Census says. Four years ago, just as the Great Recession was taking its grip on the nation, one in 16, or 6,000 people, suffered in poverty here.

As I kept reading and flipped the page, I wondered if the story would provide any more insight on the church referenced in the second paragraph.

On the jump page, the Troy residents’ predicament is boiled down this way:

But for people in Troy — and the tens of millions of Americans like them — the daily hardships of poverty aren’t captured in statistics or healed by political promises. As lawmakers in Washington grapple with the “fiscal cliff” and Americans do their holiday shopping, thousands of people in Miami County are managing on little or no income.

But how are they managing? Is the religious community playing any role at all? These are questions that crossed my mind.

Later, there’s this description of the town:

In Troy, empty storefronts blot the main street and shopping centers, but there are signs of recovery. At least eight companies are building or expanding, which is expected to create more than 500 jobs, says J.C. Wallace, president of the Troy Area Chamber of Commerce.

What about the houses of worship? Are they empty, too? Or are they bustling with activity amid the economic problems?

Eventually, the story returns to Scott, the woman living in her truck, and paints a relatively detailed portrait of her circumstances and predicament.

Then comes the killer quote:

“Without the churches, people would be starving in the street,” she says.

Bam!

Sounds like a perfect opportunity to explore the religion angle.

And the story does follow up with these three paragraphs before moving on to more government statistics:

That’s no exaggeration to David Richey, pastor of Richards Chapel United Methodist Church. He and his wife, Beverly, run a food pantry and a soup kitchen where they dish out close to 1,000 meals a month.

The people who walk through the door “don’t make enough to have three squares a day, so we have to supplement that for them,” he says.

The biggest increase they see: families with children.

Sooooo … do we have a ghost here or not?

On the one hand, USA Today doesn’t ignore the churches. On the other hand, the religion angle seems to be downplayed. Only one church is mentioned. The woman living in the truck isn’t asked about her own faith. No effort is made to explore the role of churches in feeding starving people. Is the Methodist church the only one feeding the hungry? Are the shelves really bare at the church’s food pantry? If so, why?

Interestingly enough, when I got online to grab the link to the story, I came across a related USA Today video titled “More poor eat all three meals at church soup kitchens.” In the three-minute video, produced by the writer of the print story, officials with the Methodist church as well as Presbyterian and Catholic churches in Troy discuss their work feeding the poor. People helped by the churches also are interviewed. It’s the kind of background that would have answered some of my questions from the dead-tree story.

The video makes me curious why USA Today chose not to explore the religion angle in its print story. Was a purposeful decision made to downplay the churches’ role? Was that angle deemed not important enough for the paper version? Was it simply a matter of space?

Image via Shutterstock

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Puritans lacked an Object for their Thanksgivings?

As of the moment I started writing this post, the following headlines graced — if that’s the right word — the top of The Drudge Report.

‘Gang fight’ at Black Friday sale…

Man Punched in Face Pulls Gun On Line-Cutting Shopper…

Woman busted after throwing merchandise…

Thousands storm VICTORIA’S SECRET…

VIDEO: Insane battle over phones…

Mayhem at Nebraska mall where 9 murdered in 2007…

Shoplifter tries to mace security guards…

Men Steal Boy’s Shopping Bag Outside BED, BATH & BEYOND…

Heckler calls them zombies…

Thus, let me begin by saying that I am thankful that The New York Times published its story the other day on the New England laws that exempted people in that region from some of yesterday’s early-onset craziness that gripped our fair land. The story even put one of the crucial P-words in this story right there in the headline: “Where Pilgrims Landed, Thanksgiving Is Kept at Table, Not Mall.”

Thus, before describing the Thanksgiving sale madness, the Gray Lady paused to offer this alternative picture:

PLYMOUTH, Mass. – Here in the birthplace of Thanksgiving, where the Pilgrims first gave thanks in 1621 for their harvest and their survival, some residents are giving thanks this year for something else: the Colonial-era blue laws that prevent retailers from opening their doors on the fourth Thursday of November.

While shoppers in the rest of the country will skip out on Thanksgiving to go to Walmart or Kmart or other big-box stores, William Wrestling Brewster, whose ancestors arrived on the Mayflower and participated in that first Thanksgiving, will limit his activities to enjoying a traditional meal here with his extended family at his parents’ house.

“Thanksgiving is supposed to be about giving thanks for all you have,” said Mr. Brewster, 47, who runs a computer repair business. “I cringe to think what society is doing to itself,” he said of the mercantile mania that threatens one of the least commercial holidays.

So what’s missing from this story.

I am sure that faithful GetReligion readers will be shocked, shocked at my criticism.

Yes, it is true that the story goes out of its way to avoid any Divine Object for the word “thanksgiving,” which is rather strange when one is writing about the Pilgrims and, to be precise, the Puritans (the other crucial P-word in the history of all of this).

However, Thanksgiving is a rather strange bird, in the lineup of American celebrations. It’s a secular holiday that clearly has modified Judeo-Christian roots. I mean, some of those images of families sitting at overloaded tables show the people praying and just as many others do not.

But is it possible to separate the New England laws from their Puritan context? Here is what we end up with in the Times account:

New England’s blue laws were put down by early settlers to enforce proper behavior on Sundays. (The origin of the term is unclear. Some have said the laws were printed on blue paper, while others have said the word “blue” was meant to disparage those like the “blue noses” who imposed rigid moral codes on others.)

Over decades, many of those laws — which banned commerce, entertainment and the sale of alcohol, among other things — were
tossed aside or ignored, or exemptions were granted. In some cases, the statutes were extended to holidays and barred retailers specifically from operating on Thanksgiving or Christmas.

I don’t know. Something seems to be missing here.

Perhaps the historical images at the end of the story will help?

Beyond the malls, Plymouth has its version of a Thanksgiving mob scene. The Plimoth Plantation, a living museum (spelled the old-fashioned way) that tells the story of the original colonists, draws about 4,000 visitors on Thanksgiving Day, about half of whom will have dinner there. …

Among those in the parade Saturday was Rebecca Tuchak, 33, a restaurant manager, who was dressed in Pilgrim garb and riding a float that honored the first Thanksgiving. As she held her 3-month-old daughter, she said she had been staggered to learn that of the original 102 Mayflower passengers, about half had died during their first winter here.

“It’s amazing to think of all the things we have and all the things they didn’t have, and yet they still gave thanks,” she said. “I don’t think you’ll find a group of people more against opening stores on Thanksgiving than us.”

I don’t know. Something basic, something factual, seems to be missing, some Object for all of the thanksgivings at the birth of this feast. Am I alone in thinking this?

Meanwhile, as the news coverage rolls in of the almost demonic goings on today, please help me look for Black Friday coverage that includes a spiritual dimension to all of this chaos and commercialism. Share the URLs in the comments pages.

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Which religious group should be blamed for the election results?

Well, everyone, we made it through another presidential campaign year! Congratulations to the winners and condolences to the losers and all that.

With the election over, we’re now in the stage of the airing of grievances and assigning of blame.

It’s usually much easier to do this than this year, where the campaign wasn’t about big issues. Or as it was put in this fantastic Washington Post piece explaining how Obama won:

The campaign bore almost no resemblance to the expansive one Obama waged in 2008 — by strategic choice and by financial necessity. Without the clear financial advantage it had last time, Obama’s campaign relied more on the tools of micro-marketing than on the oratorical gifts of the nation’s first black president.

Gone were the soaring speeches that clarified Obama’s candidacy four years ago. Instead the president focused on Romney. Meanwhile, his campaign spoke early and often with “persuadable” voters, selected for targeted e-mails and doorstep visits through demographic data unavailable last time.

“We turned a national election into a school-board race,” a second senior Obama campaign official said.

Before the effort to define Romney began, before they even knew for certain Romney would be the opponent, the Obama campaign laid the groundwork for victory in a race that would be won in the margins of a polarized electorate.

The lack of big issues led, perhaps, to an obsession with polls. That obsession continues as journalists look to exit polls for meaning. The New York Times has a great interactive page with election information. It begins with the note:

Most of the nation shifted to the right in Tuesday’s vote, but not far enough to secure a win for Mitt Romney.

Weird, right? Most of the nation shifts to the right but the big story is that the right lost. Big time. How to make sense of that? The first thing I might suggest is caution. Whether it’s on election night or the first few heady days after, people are desperate to make sense of things. But sometimes it takes a while for actual vote totals to come in or good local data that explain particular elections.

Just for instance … I really enjoyed this Denver Post/Eric Gorski piece about the Pew data, which mentioned:

The initial speculation and preliminary evidence was white evangelicals and other conservative Christians might not enthusiastically support Romney, either for theological or other reasons, [University of Akron political scientist John] Green noted. Ultimately, though, exit polls showed nearly eight in 10 white evangelicals supported Romney, an improvement over John McCain’s 73 percent in 2008 and on par with George W. Bush’s 2004 numbers.

Perhaps more interestingly, Romney received less support from his fellow Mormons than allegedly skeptical white evangelicals – although it was just 1 percentage point less.

That’s fascinating, no? The evangelical voters increased their support for the GOP candidate in 2012 over 2008 and 2004? And Mormon support was below that of white evangelicals? Crazy! (The piece also has great discussions on the “nones” and why Obama lost seven points among white Catholics — Green suggests the “religious liberty” issue was a factor.)

But what we also need to know are whether those percentages reflect changes in the actual voters. Meaning, did some evangelicals sit out the election this year? And did Mormons come out to vote more than usual? Both of those things could have happened as well. Or not. We’ll have to wait a bit to find that out. Going back to that New York Times map mentioned above, it shows that the country went more Republican everywhere with a few exceptions. One of those areas was the South. Is that partly a religion story? I don’t know. (There’s some great analysis on these questions here.)

One interesting approach taken by Religion News Service was the piece headlined “What’s next for religious conservatives?” Even though the Romney campaign was laser-focused on the economy at the expense of getting out the vote over social conservatism or other issues Americans care about, the piece suggests that the problem lies with … social conservatives. It includes lines such as:

The electorate today is increasingly Latino, and younger, and both those groups are turned off by anything that smacks of righteous moralizing.

I only wish that young people were turned off by anything that smacked of righteous moralizing. But the ratings success of Glee would suggest otherwise. As for this claim that Latinos are all turned off by, um, “anything that smacks of righteous moralizing” … I’m not quite sure how to respond to it. I mean, maybe it’s true. Maybe Latinos were turned off of Romney (and the GOP) not because of his comments about self-deportation, or his lack of outreach to them, or this (from ABC/Univision):

Nationally, 74 percent of Latino voters said that Romney did not care about Latinos or was outwardly hostile to them, with a whopping 56 percent believing the latter. Compare that to what Latino voters thought of President Obama: 66 percent said he truly cares about Latinos.

But maybe RNS is right and the failure to crack 35 percent of the Latino vote — which one analysis says would have changed the outcome of the entire election — had something to do with social conservatism. Journalistically, though, it would be better to substantiate claims such as this about youth and Latinos rather than just assert it without any evidence.

This was an interesting election and one that, despite how narrowly divided the country is, had some decisive results with serious implications for religious adherents and the issues they care about. But it’s always good to proceed with caution when trying to make sense of why voters made the decisions they did.

Note: Please keep comments focused on media coverage as opposed to personal political preferences, etc.

Recriminations image via Shutterstock.

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MSM’s upside-down Chick-fil-A sandwich

YouTube Preview ImageRemember when pickles, buttered buns and fried chicken filets were all we could talk about over the summer?

I’m referring, of course, to the big brouhaha over Chick-fil-A (catch up here, here, here, here and here if you happened to be stranded on a deserted island during that time).

Now comes an update from USA Today.

The headline:

Chick-fil-A thrives because of support for families

The top of the story:

Chick-fil-A has something not all that surprising to crow about.

Consumer use, visits and ad awareness were all up measurably in the third quarter, at a time the chicken chain enjoyed a remarkable outpouring of support from consumers, reports research specialist Sandelman & Associates.

Intense national media and social media attention — much of it positive — was heaped on the chain three months ago, after President Dan Cathy told a religious publication that his company was “guilty as charged” in supporting the biblical definition of the family unit.

Supporters of the Atlanta-based chicken chain caused long lines and traffic jams across the country as they rallied for Chick-fil-A. At the same time, a few gay rights groups called for boycotts, but company executives reiterated their long-standing love and appreciation for all customers — even those who disagree with Cathy’s position.

Oops! I am messing with you. That is not actually how USA Today reported the story.

Here is the actual headline:

Chick-fil-A thrives despite gay rights issue

And the actual lede:

Chick-fil-A has something unexpected to crow about.

Consumer use, visits and ad awareness were all up measurably in the third quarter, at a time the chicken chain appeared to be taking a public relations drubbing, reports research specialist Sandelman & Associates.

Intense national media and social media attention — much of it negative — was heaped on the chain three months ago, after President Dan Cathy told a religious publication that his company was “guilty as charged” in supporting the biblical definition of the family unit.

Many gay rights groups called for boycotts, and company executives seemed to be put on the defensive. At the same time, supporters of the Atlanta-based chicken chain held rallies outside stores. The national media couldn’t get enough of it.

Hmmmm, not much subtlety in the worldview of the reporter cranking out that version of the story, huh?

A few journalistic questions: Who is the source on Chick-fil-A’s success being “unexpected?” At the closest Chick-fil-A to my office (and yes, I live in the Bible Belt), the drive-thru is a madhouse every day. Folks in orange vests direct traffic in the parking lot, and runners zip back and forth between the long line and the window swiping credit cards and delivering bags full of delectable chicken sandwiches.

Concerning “public relations drubbing,” again, who is the source (besides the bias of the writer and his editor)?

About the “negative” social media attention, any statistics available on how many folks tweeted and Facebooked positive posts about Chick-fil-A vs. negative messages? Or is this a simple case of a MSM bubble?

Later in the story, there’s this:

Chick-fil-A declined comment.

Last month, the chain seemed to soften its tone. “Our intent is not to support political or social agendas,” Steve Robinson, executive vice president for marketing for Chick-fil-A, said in a statement. Chick-fil-A’s culture, he said, “is to treat every person with honor, dignity and respect — regardless of their belief, race, creed, sexual orientation or gender.”

That softened tone sounds familiar. It’s almost as if the company said basically the same thing more than a year and a half ago before this latest controversy started. From a January 2011 statement by Cathy:

In recent weeks, we have been accused of being anti-gay. We have no agenda against anyone. At the heart and soul of our company, we are a family business that serves and values all people regardless of their beliefs or opinions. We seek to treat everyone with honor, dignity and respect, and believe in the importance of loving your neighbor as yourself.

We also believe in the need for civility in dialogue with others who may have different beliefs. While my family and I believe in the Biblical definition of marriage, we love and respect anyone who disagrees.

Keep reading, and PR execs quoted by USA Today try to figure out how Chick-fil-A overcame such a dreadful “PR disaster.”

Yeah, I wonder.

Image of Chick-fil-A Appreciation Day via Shutterstock 

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