I have a little more info: I did a mysqldump and looked at that in my text editor and I see that the word appears to be encoded correctly in mysql, at least after being run through mysqldump.
It still looks like: 64 65 62 74 6F 72 E2 80 99 73, i.e. "debtor’s" -- You received this message because you are subscribed to the Google Groups "Ruby on Rails: Talk" group. To post to this group, send email to [email protected]. To unsubscribe from this group, send email to [email protected]. For more options, visit this group at http://groups.google.com/group/rubyonrails-talk?hl=en.

