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Papa John won't leave Papa John's alone.The company has tried hard to distance itself from founder John Schnatter, who blamed the NFL for poor pizza sales last fall and then admitted using the N-word on a conference call this spring.Sales slumped, and Papa John's stock declined. CEO Steve Ritchie and the current leadership blame Schnatter, who stepped down as chairman in July.Schnatter told CNNMoney in an interview Tuesday that he's being scapegoated."You can't blame everything on two comments," he said. "I wish I had that kind of power, but I don't."Instead, Schnatter pinned the company's problems on Ritchie, who became CEO in January. Schnatter described him as a poor leader who has created a culture of intimidation at Papa John's, and let quality and customer service slip."We need new leadership," he said. "He struggles as a CEO.""Steve'll make a great executive somewhere else," he added. "He's just the wrong guy for the job."He described upper management under Ritchie as vindictive and controlling."People right now are scared to talk," he said.Schnatter, who is still the largest shareholder and owns almost a third of the company, insists he doesn't want to return as CEO. But he has mounted a scorched-earth campaign to drive Ritchie out of his job.In a letter to franchisees posted to his personal website on Monday, the founder said the company is struggling because of "rot at the top."In a statement, Papa John's called the accusations "untrue and disparaging," characterizing them as "a self-serving attempt to distract from the damaging impact his own words and actions have had on the company and our stakeholders.""John Schnatter also publicly supported Steve Ritchie's appointment as CEO at the end of last year," the statement said.Schnatter flipped that argument around."There's a little bit of a farce going on here," he said. "Steve Ritchie promises great things, and then bad things happen, and then he blames somebody else."Schnatter's lawyer Garland Kelley said the company allowed Schnatter's comments about the NFL and his use of the racial slur to be misrepresented in the press."There's a critical disconnect between what John actually says and how the company permits it to be portrayed publicly," Kelley said. "We think there's a reason this is occurring."In July, Forbes reported that Schnatter had used the N-word while on a conference call with his marketing agency."Colonel Sanders called blacks n-----s," Schnatter reportedly said during a training on how to avoid gaffes like the NFL comments. Forbes said Schnatter was complaining that Sanders didn't receive backlash, even though his comments were worse than Schnatter's own. KFC did not immediately respond to a request for comment.After the Forbes story broke, Schnatter apologized and resigned as chairman.On Tuesday, he described the conversation differently."I simply said, 'Colonel Sanders said what he said, and we're not going to say that,'" he said, adding that he regrets saying the slur."What I said was anti-racist," he added. "I don't talk that way.""I think the company has made the situation a lot worse," Schnatter said. "[The comment has] been misquoted, it's out of context, it's been portrayed in a way that's not truthful. But I'm still going to feel bad about that.""I love my employees. I love my franchisees," he said. "For anything that hurts them, then I'm going to feel bad about that, and I do."Schnatter also thinks his remarks about the NFL leadership have been misconstrued.Last year, some NFL players knelt during the National Anthem to protest treatment of black Americans, particularly by police. The protests sparked a controversy, and the NFL ultimately ruled that players can't kneel during the anthem."I felt like the situation was not a winning situation for the fans, the sponsors, the players and the owners," he continued.A few months after Schnatter called out NFL leadership, Papa John's ended its NFL sponsorship. Pizza Hut took its place.Papa John's is trying to put both comments, and Schnatter himself, behind it.The company is stripping Schnatter's image from its marketing materials and has taken the unusual step of approving a provision that would prevent him from gaining more control of the company.Ritchie went on a listening tour, mandated bias training for all employees and promised to increase diversity among staff. The company also launched a social campaign acknowledging customers' concerns.Papa John's has also commissioned an investigation into its diversity and inclusion practices.Asked whether the investigation would find any examples of misconduct by him, Schnatter said: "At the end of the day, I'm the principal owner of the company.""They've got to point bad results on somebody, and that's probably going to be me." 4908

People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304

POINT ROBERTS, Wash. -- In Point Roberts, Washington, the beauty of nature isn’t hard to find.“The environment is unsurpassed,” said Brian Calder, director of the Point Roberts Chamber of Commerce. “I mean, it's a beautiful spot.”It’s a town of about 1,000 people, where two nations meet: the U.S. and Canada.Lately, though, people there feel more like they’re caught in the middle.“We're surrounded by foreign territory, not part of North America, USA,” Calder said.Point Roberts is what’s known as an “exclave.” When a 19th century treaty established the 49th parallel as part of the U.S. border with Canada, Point Roberts ended up on the American side, but cut off from the rest of the U.S. because it sits at the end of a peninsula, with Canada to the north of it.Normally, travelling back and forth across the border isn’t an issue.However, because of the coronavirus, the border is closed and the town – which relies on tourism – is at a standstill.“Our traffic comes from Canada, lower mainland primarily, and that's what drives our economy. Period,” Calder said. “We have nothing internally.”Whitney McElroy owns Breakwaters Bar & Grill, where hundreds of people usually gather for music and food. That didn’t happen this year, though. The current situation forced him to furlough all but two employees.“We're down between 85 and 90%,” McElroy said of the grill. “By opening the border, it would considerably help this community. It would bring it back to life again, as it's pretty much dead now.”One of the few things keeping the town alive is the lone supermarket.“On a normal summer week, we do we see about 8,000 customers,” said Ali Hayton, who owns the Point Roberts Marketplace.This year, business at the supermarket is down 80%. Hayton applied for the federal Paycheck Protection Program, which helped financially, but only through July.“I don't want a handout because those go away,” Hayton said. “I want to work for a living and the only way I can do that is if I have people able to come down here.”Weekly testing shows that, so far, there have been no recorded cases of coronavirus in Point Roberts.Because of its unusual location, surrounded by water on three sides and Canada to the north, the border closure isn’t just affecting businesses in Point Roberts. It’s also affecting families, in some cases, by separating them.“People can't sustain - financially and emotionally and spiritually - this kind of stress,” said Point Roberts resident Rena Andreoli.Andreoli and her family are dual citizens of the U.S. and Canada, who live in Point Roberts. Since the lone school in town only goes up to 3rd grade, her children, like some others there, attend nearby schools in Canada. School, though, is considered a non-essential border crossing. So, in order to continue going to her current high school in Canada, her oldest daughter moved in with friends of the family.“By doing that to a family, we're really, we're just killing these kids,” Andreoli said. “So, we need to smarten up as a country, both countries, and look past the politics and look past all that.”Residents believe there could be a simple solution.“If we can have an exemption federally from both sides of the fence, then I think it would definitely ease things and make things a lot more palatable for people,” said Nic Lehoux, who lives in Point Roberts.Recently, a twice weekly passenger ferry service and small plane service began for residents in Point Roberts. Before then, they had no other way to reach the U.S., without driving through the Canadian border and over into Washington state.Still, the border remains closed for the foreseeable future, as the closure has been renewed every 30 days for the past six months. 3724

PENSACOLA, Fla. — Rivers swollen by Hurricane Sally's rains could mean more problems for parts of south Alabama and the Florida Panhandle. Sally has diminished to a tropical depression. But it's still a rainmaker as it has moved Thursday into Georgia, on a path to the Carolinas. At least one person was killed on Wednesday in Alabama and one other person was reported missing. Hundreds of people were rescued on Wednesday by first responders. The storm flipped boats and cars and even caused significant damage to a bridge outside of Pensacola, Florida.Authorities warned that rain from the storm could swell eight waterways in Florida and Alabama to record levels. Florida Gov. Ron DeSantis warned residents and visitors of possible river flooding in the coming days. The National Weather Service says the small city of Brewton, Alabama, can expect moderate to major flooding. 886

Police in southwest England say two people are in critical condition and are being treated "for suspected exposure to an unknown substance." One of the victims is a former Russian spy, Britain's national broadcaster said."The two people -- a man aged in his 60s, and a woman aged in her 30s -- were found unconscious on a bench in The Maltings in Salisbury," Wiltshire police said on Monday, adding that the injured are known to each other.UK's national broadcaster, the BBC, is naming the man, who is in his 60s, as former Russian spy Sergei Skripal, who was granted refuge in the UK following a "spy swap" between the US and Russia in 2010.None of the individuals involved has been named by the UK Home Office, Wiltshire Police or Salisbury Hospital."Because we are still at the very early stages of the investigation, we are unable to ascertain whether or not a crime has taken place," police said.Reiterating an earlier announcement, police said in a statement on Monday that "a major incident has been declared today and a multi-agency response has been co-ordinated." 1081