Margaret Jamal,Ph.D., CPhD: Ordained Minister, wife, mother, instructor and writer. She holds a Doctorate in Christian Counseling and Human Services; an experienced educator, counselor and artist, Dr. Jamal has also served as: Grants Manager, Federal Grant Reviewer, Donor Developer, Certified Philanthropic Development Officer, Executive Director and Founder of the R.A.T.E.S.(tm) Foundation-a NHF/co-founder of R.A.T.E.S. Economic Development Group, LLC.. R.A.T.E.S.(tm) is an acronym, which stands for Response-ability, Account-ability, Evaluation-ability, and Sustain-ability. It is a tool for social and charitable entrepreneurship; and Preventing Revictimization of Abused Youth (PRAY)-a… Congressional District Program. The P.R.A.Y. initiative offers recovery support for victims of child sexual. Working with her husband Rev. Dr. Aaron Jamal, Dr. Margaret Jamal also hosted TV and radio programs; wrote and produced radio programs for youth, "When Young People Talk, Legacies of Faith. Other books include" Faith Legacies- Guide for Faith-Based Nonprofits" , "When Girls Don't Tell" "My Grant Writing Secrets"