Get in line if you find QSR giant Burger King’s decision to give its brand a fast-casual makeover worrisome. Your full-service restaurant will likely face stronger competition for sit-down patrons as the chain spiffs up its 12,000 units. But the Burger King franchisees that have to install the company’s new “20/20” design are surprisingly wary of the venture, as are the bankers who’ll be lending them the money to do it. Even if 20/20 works as advertised, a back-of-the-envelope calculation ...

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