Check out this article in today's Washington Post by Michelle Singletary - - "Payday Loans: Costly Cash." Among other things, the article discusses a new ad campaign by the Community Financial Services Association of America, the trade group for the payday loan industry. Consumer advocates portray the campaign as part of an effort to stop state and federal legislation to curb the industry. The industry responds that its ads are a charitable "effort to encourage consumers to use payday advances in a responsible manner." I wonder whether the industry's shareholders are ticked off that their money is being spent to help consumers act responsibly rather than to turn profits.