April 17 Michigan Retailer by Michigan Retailers Association

Those Are the Breaks

Spring Sales to Rise

A strong majority of Michigan retailers expect to increase their spring sales over last year. Page 3

Do you know what the law says about employee rest and lunch breaks? You might be surprised. Page 5

Taking the Long View

Although local retail remains under siege, Michigan Retailer’s retiring editor sees progress and hope for the future. Page 7

® April 2017 Vol. 42 No. 2

Bill allowing school year to start before Labor Day wins Senate panel okay A bill allowing all school districts to start their school year before Labor Day is moving through the Michigan Legislature over the concerns of retailers and other tourism-related businesses. The Senate Education Committee on March 28 approved legislation, Senate Bill 271, that would remove the current requirement that public and charter schools start the school year after Labor Day. The bill now goes to the full Senate for consideration. The bill is opposed by Michigan Retailers Association and other tourism-related business groups that were successful in winning approval of the 2006 law pushing the start of school until after Labor Day. “Current law enables families to take summer vacations that last through Labor Day weekend, and that means more jobs for Michigan workers and more sales tax revenues to pay for public schools,” said MRA’s James P. Hallan, president and CEO. “We see no need to change the law.” Top months Tourism industry officials say July and August are their two top revenueproducing months. Repealing the current post-Labor Day requirement would reduce August revenues and cause industrywide layoffs, higher unemployment and reduced taxes paid to the state. “As this state’s third largest industry, we find the loss of two to three weeks of peak season revenues an appalling legislative proposal,” said Deanna Richeson, president and CEO of the Michigan Lodging and Tourism Association (MLTA), in testimony before the Senate committee. Continued on page 6

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Retailers call border tax dangerous The Border Adjustment Tax (BAT) on imported goods would harm retail businesses and their customers and pose a danger to Michigan’s economy, according to the Michigan Retailers Association and a new coalition set up to fight the proposed federal tax.

“Retailers would be hit very hard, putting 1.2 million Michigan jobs at risk,” said MRA’s Amy Drumm, vice president of government affairs, during a March 23 news conference at MRA Headquarters in Lansing. MRA helped announce a new Michi-

gan chapter of the national coalition, Americans for Affordable Products, which is strongly opposed to the tax. “To help protect our state from the illconceived Border Adjustment Tax, MRA and other active trade associations have come together in an effort to make sure each and every state resident knows what this tax would do,” said Drumm. Federal tax reform plans put forward by U.S. House Republicans include the BAT, which would impose a 20 percent tax on imported goods, increasing the costs of everyday products such as food, medicine, clothing and gasoline by an estimated $1,700 per family. The BAT would be felt immediately in the pocketbooks of middle-class Americans, effectively amounting to a $1 trillion tax that would punContinued on page 4

(From left) Service Manager Austin White and owners Gary and Mark Childs make South Lyon Cycle a popular Oakland County spot. Photo by David Trumpie

“Prior to the extreme popularity of cellphones, tablets and electronic games, we used to sell a lot more kids bikes for Christmas presents,” recalls Mark Childs, South Lyon Cycle co-owner with brother Gary and the self-described “spokes-man.” “That has had an effect, for sure.” One change the brothers have made is to tie the purchase of new children’s bikes to a different time of year. “I’ve been promoting Easter bikes – when the weather changes,” said Mark. And to stretch the buying season, “We also promote free layaway year round. They get the bike when they want it at the price they want it.”

The fate of an antitrust lawsuit retailers filed against Visa and MasterCard for the way they set credit card processing fees remains uncertain following the U.S. Supreme Court’s refusal to reinstate a $7.25 billion settlement in the case. The nation’s top court on March 27 refused to take up a controversial settlement reached in the 2005 lawsuit. The court’s refusal left in place last year’s ruling by the 2nd U.S. Circuit Court of Appeals striking down the settlement. Although the settlement reportedly would have paid billions of dollars to retailers large and small, the National Retail Federation (NRF) and others opposed it because they said it didn’t fix the original problem of excessive fees set by the giant card associations. “If this settlement had been approved, the structure of fees that drive up the prices of everything consumers buy would have been cemented into place forever,” NRF

Continued on page 6

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Brothers love peddlin’ pedals as bike shop retailing evolves by Doug Henze W h e n t h e C h i l d s b ro t h e r s opened their South Lyon bicycle shop in 1994, riding still topped the fun list for the middle-school and younger set. For many families, a new bike was the big splurge – the Christmas present every kid wanted. Today, bicycling has taken a back seat to electronic devices and video games on youngsters’ Christmas wish lists.

U.S. Supreme Court refuses to reinstate $7 billion settlement

Michigan Retailer

Spring musings

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Board of Directors: Orin Mazzoni, Jr.

Chair Orin Jewelers, Garden City

by James P. Hallan, MRA President and Chief Executive Officer Weather What a crazy winter, and an even stranger start to spring. One doesn’t know whether to wear shorts or keep the snow shovel handy. And the historic windstorm has given us memories that will last a very long time. A thankful nod to all the utility workers who put in long hours to get over one million Michiganders back on the grid. Tom Scott Retirement You will read more about it in this issue, but our longtime senior vice president of communications and marketing, as well as editor of the Michigan Retailer, has decided to put his pencil in the drawer and try his hand at retirement. Tom has had a fascinating career. He was a reporter for the Royal Oak Tribune and then joined Gov. Jim Blanchard’s team as press secretary and director of communications. After his stint in government he en-

tered the private sector and started a magazine from scratch. Twenty-four years ago, we enticed Tom to join Michigan Retailers, where he quickly moved up to senior vice president. His service to MRA has been extraordinary. The clearest example is his creative leadership of the Buy Nearby program and the launching of the monthly sales survey with the Federal Reserve. Tom’s fingerprints are ingrained in many major projects undertaken by MRA, and his leadership, creativity and steady hand will be missed. As we all know, change is constant. But Tom has left a wonderful legacy at Michigan Retailers, and it will be difficult to find a replacement. Membership In the early days, MRA had a common membership renewal date of January 1. Over the years, renewal dates have coincided with the date a member joins the Association. However, a large group still has the

RIC adds experienced underwriter Jamie Moore is Retailers Insurance Company’s newest employee. An experienced insurance professional, she was hired as a workers’ compensation underwriter folMoore lowing the January 31 retirement of underwriting director Patty Zaskowski. She succeeds Laura Schilling, who was promoted to director of underwriting. Moore is a licensed agent and joins RIC after serving as vice president, underwriter, risk manager and claim assistant during 12 years with the Phoenix Property & Casualty Agency in East Lansing. Previously, she was vice president of the Podiatric Risk Management Group and a senior support analyst and senior support technician at Auto-Owners Insurance in Lansing. She has experience in professional liability, homeowners, and personal and commercial auto insurance lines. Insurance Family Moore comes from an insurance family, her father having started the

Podiatric Risk Management Group in 1977 in Okemos and other agencies since then. “I’ve been working in the insurance industry since I was 16, working summers and part-time during the year at his agency,” she said. “And over the past 12 years I’ve learned how to evaluate applicants to successfully assess their risk and determine premium rates. In addition to working with agents, I have worked with doctors, attorneys, web developers, programmers, hospital personnel and many other professionals, so I have a well-rounded understanding of the industry.” A graduate of Hope College, she and her husband, Brian, are DeWitt residents. The former high school cheerleader’s activities include yoga, tennis and learning to play golf. She also calls herself “a book nerd.” “I’m happy to be joining Retailers Insurance and learning even more about workers’ compensation insurance,” she said. “Work comp deals directly with employees’ health and ability to do their jobs. Our policyholders need to know we not only provide insurance, we care about their business and employees.”

January 1 renewal date, and we sincerely thank those who sent their dues in on time. Our sales representatives are doing a wonderful job telling the MRA story. As a result, the number of new members is on the rise. Whether you are an old or new member, make sure to check out our dental, health and merchant processing services. Our mix of products is diverse and very competitive. If you’re not receiving our government affairs bulletin, please send us your email and we will add you to the distribution list. Politics Most of the political drama has shifted to Washington D.C. Even with the change in leadership, the country continues to be polarized. One issue to watch closely is the potential impact of a border tax on imported goods. As you’ll read on the front page, if passed, the price of retail goods would increase dramatically. Role Model News of the death of a popular, civic-minded and family devoted businessman has caused many hardware retailers, Plainwell residents and others to pause and reflect. Joseph Dorgan, who purchased Hoag Hardware in 1975 and renamed it Dorgan Ace Hardware, died at home at the age of 91 on March 9. Mr. Dorgan was active in a great many arenas and was known for his nonstop curiosity and compassion. A U.S. Navy veteran, he later served two terms as mayor of Plainwell. He also served six years as a trustee of the MRHA Self-Insured Workers’ Compensation Fund. He and his wife of 61 years, Doris, were blessed with six children, 12 grandchildren and three great-grandchildren. Although he will be missed, his many accomplishments live on. Grand Hotel My wife and I had a chance to view the premier of Detroit television’s showing of “Inside Grand Hotel.” The documentary masterfully captures the history and growth of one of Michigan’s magnificent gems. I’d encourage you to watch it if you have the opportunity. We are fortunate to live in a state that offers so much. Good people and beautiful venues make us all proud to be part of Pure Michigan.

James P. Hallan

President and CEO Michigan Retailers Association

Becky Beauchine Kulka

Vice Chair Becky Beauchine Kulka Diamonds and Fine Jewelry, Okemos

Peter R. Sobelton

Treasurer Mondial Properties, Birmingham

William J. Hallan

Secretary Michigan Retailers Association

Dan Marshall

Past Chair Marshall Music Company, Lansing

Brian Ducharme AT&T Mobility

Ken Hayward

Grand Hotel, Mackinac Island

Joseph McCurry

Credit Card Group

Larry Mullins

Brandon Tire & Auto Service Center, Ortonville

Barb Stein

Great Northern Trading Co., Rockford

Joe Swanson Target Corp.

Thomas Ungrodt

Dayspring Gifts, Chelsea

James Walsh

Meijer, Inc., Grand Rapids

D. Larry Sherman

Board Member Emeritus

Michigan Retailers Services, Inc. Board of Directors: Chad Ayers Allendale True Value, Allendale

Bo Brines

Little Forks Outfitters, Midland

Bill Golden

Golden Shoes, Traverse City

Emily Matthews

Potent Potables Project, Lansing

James P. Hallan Thomas B. Scott Publisher

Editor

Pat Kerwin

Design Manager

Publication Office: 603 South Washington Avenue Lansing, MI 48933 517.372.5656 or 800.366.3699 Fax: 517.372.1303 www.Retailers.com www.RetailersInsurance.com www.BuyNearbyMI.com

Subscriptions:

Michigan Retailer (USPS 345-780, ISSN 0889-0439) is published in February, April, June, August, October and December for $20 per year by Michigan Retailers Association, 603 South Washington Ave., Lansing, MI 48933. Subscription fees are automatically included in the Michigan Retailers Association membership dues. Periodical postage paid at Lansing, Michigan. POSTMASTER: Send address changes to 603 South Washington Ave., Lansing, MI 48933. The Michigan Retailer may be recycled with other white office paper.

April 2017

MICHIGAN RETAIL INDEX

Michigan retailers forecast spring sales growth the same month last year, while 43 percent recorded declines and 12 percent reported no change. The results create a seasonally adjusted performance index of 52.8, up from 40.5 in January. A year ago February the performance index stood at 58.7. The 100-point index gauges the performance of the state’s overall retail industry, based on monthly surveys

Current

conducted by MRA and the Federal Reserve Bank of Chicago’s Detroit branch. Index values above 50 generally indicate positive activity; the higher the number, the stronger the activity. Looking forward, 76 percent of retailers expect sales during March – May to increase over the same period last year, while 3 percent project a decrease and 21 percent no change. That puts the seasonally adjusted

3-Month

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outlook index at 79.0, nearly level with 79.4 in January. A year ago February, the outlook index stood at 75.2. February sales tax receipts, excluding autos, increased 6.3 percent. Complete results of this month’s Michigan Retail Index—including data on sales, inventory, prices, promotions and hiring—are available at www.retailers.com/ news-events/michigan-retail-index.

Michigan Sales Tax Collections

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Outlook Index

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695

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More than three of every four Michigan retailers (76 percent) expect to increase their spring sales over last year, according to the Michigan Retail Index, a joint project of Michigan Retailers Association (MRA) and the Federal Reserve Bank of Chicago. The upbeat forecasts follow generally positive February sales: 57 percent reported sales were better (45 percent) or as good (12 percent) as the same month the year before. “These positive forecasts and results are no surprise, given the fact that consumer confidence is high and the number of people working in Michigan continues to grow,” said MRA President and CEO James P. Hallan. “Also contributing to better sales and expectations were the mild February weather and record profit-sharing checks earned by autoworkers.” Nationally, retail sales excluding autos and gasoline rose 0.2 percent in February, according to the U.S. Commerce Department. Economists pointed to delays in sending out millions of federal income tax refunds as a reason February sales weren’t higher. The Michigan Retail Index survey for February found 45 percent of the state’s retailers increased sales over

Seasonally adjusted diffusion index, calculated by adding the percent of respondents indicating increased sales and half the percent indicating no change, and then seasonally adjusting the result using the U.S. Census Bureau’s X-11 Seasonal Adjustment procedure. Index values above 50 generally indicate an increase in activity, while values below 50 indicate a decrease.

200 (millions)

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JAN

Be sure to complete your online survey each month!

FEB

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Retailers call Border Adjustment Tax dangerous to economy Continued from page 1

ish employers, consumers and the American economy, according to the coalition. Bad Options “The harmful effects of the Border

with only bad options for their customers or employees – raise prices, downsize, or shutter their doors altogether.” Proponents of the BAT claim it would create more American jobs by

“If the BAT is implemented, even more of our corner stores and downtown, family run businesses will disappear.”

MRA’s Amy Drumm voices retailers’ opposition to the proposed federal Border Adjustment Tax. Photo by David Trumpie

chapter of Americans for Prosperity. “The thought might be in the shortterm it helps create jobs, but we’ve actually seen that putting barriers like this up hurts jobs and, more imAdjustment Tax would place retail in providing a disincentive for importportantly, it hurts people who have a difficult and dangerous position,” ing goods. But in reality, it would jobs and their ability to buy things,” said Drumm. harm businesses, consumers and the Lund said at the news conference. “The 20 percent tax on imported economy, said former State Rep. Pete A Grand Rapids car dealer, in goods would leave our companies Lund, state director of the Michigan comments he sent to the news event, cautioned that the auto industry would especially suffer. “The Border Adjustment Tax will push the cost of a new car out of reach for middle class consumers, who will already be saddled with higher costs on everyday necessities like food, clothing and medicine,” said George S h a r p e J r. , g e n e r a l manager of The Sharpe Collection. “Regardless of whether you buy American or foreign-made cars, costs will increase under the BAT.” The auto industr y NEWEST CENTENNIAL – Stewart Powell (left), owner of Linn & Owen Jewelers, has projected the cost receives a Michigan Centennial Retailer plaque from MRA’s James P. Hallan, of a new vehicle could president and CEO, at Powell’s store in downtown Lansing. The business opened in increase by as much as 1917 as Haines Jewelry and took on its current name during the Great Depression, $2,500 because of the although there weren’t funds to put up a new sign until 1944, Powell said. He many imported compurchased the business from his uncle, Dwight Demitz, in 1993 after having worked ponents in a vehicle. in the store since 1975. With Powell are members of his team: (from left) Shirley The automotive supply Hendy, Michael Crouch, Mary Dunker, Peg Ainslie, Laura Anderson. Information chain stretches across about MRA’s centennial recognition program is online at Retailers.com under b o rd e r s , a n d s o m e Member Benefits/Member Recognition. Photo by David Trumpie components move

across a border several times before final assembly, the industry says. ‘Deeply Troubled’ Drumm explained further why she is “deeply troubled” by the proposed border tax. “Retail is a ‘penny’ business,” she said. “Main Street retailers operate on razor thin margins that have been severely impacted by over-regulation, changing markets and competition, sales and use tax loopholes, and expensive labor requirements like increased minimum wages and health care benefits. “If the BAT is implemented, even more of our corner stores and downtown, family run businesses will disappear.” She continued, “Family owned retail businesses aren’t the ones that would benefit from this tax reform, but they – and their customers – will be the ones that end up paying for it. “If they try to pass along the cost by increasing prices – since there will simply be no margin left to trim, they will likely be squeezed out of the market for good.” The new state coalition plans to lobby Michigan’s congressional delegation against the BAT. “If Congress is serious about tax reform, it should consider closing the existing loopholes for sales and use tax collection that retailers have been waiting 25 years to see,” Drumm said. “That would actually prevent more family owned businesses from closing their doors. Retail is the backbone of our economy, and the BAT would cripple retailers.”

April 2017

IT’S THE LAW

What the law says about employee lunch, breaks by William J. Hallan, MRA Executive Vice President, COO and General Counsel You might be surprised to learn that but for a few exceptions, Michigan employers are not required to provide meal or rest periods to their employees. Many employers are under the impression they must provide employees with two rest periods and a lunch for a typical eight-hour shift. While some states have strict requirements, Michigan and federal law do not.

room (other than a bathroom) to express breast milk. Employers must provide this reasonable accommodation for up to one year after the child’s birth. Minors Many states have enacted protections for minors. Michigan is one of those states. In Michigan, minors (individuals under the age of 18) must be given a 30-minute, uninterrupted, rest period if scheduled to work more than five consecutive hours. Other Exceptions Employees who are covered by a collective bargaining agreement may have additional rights and privileges set forth in that agreement. Other employees may re q u e s t re a s o n a b l e accommodations for medical issues or religious observation.

“...it’s best to understand the law and make it clear up front whether your employees can take meal breaks or rest periods, and whether they will or won’t be paid during them.” However, if an employer does provide meal or rest periods (and many employers do), the question is whether the employer is required to pay the employee for that time. The Federal Labor Standards Act (FLSA) requires employees to be paid for “hours worked.” “Hours worked” ordinarily includes all the time during which an employee is required to be on the employer’s premises, on duty, or at a prescribed workplace. As a result, FLSA distinguishes between rest periods and meal breaks. Employers must pay the employee for rest periods that are less than 20 minutes or for breaks when the employee is not relieved of his or her duties (e.g., still required to answer the phone). On the other hand, a meal period is generally not considered to be work time, and the employer is not required to pay the employee for that time, as long as: (1) the employee is completely relieved from job duties; and (2) the meal period is 30 minutes or more. Exceptions There are a few exceptions to the general rule. First, federal law requires employers to give breaks (when needed) to breastfeeding mothers (for a reasonable period of time) and a private

Best Practices Of course, most employers do offer meal and rest periods with the understanding that well rested and well fed employees are more productive, efficient and less likely to be involved in a workplace injury. Rest periods also encourage social relationships between employees and build corporate morale. If you’re drafting your own corporate policy, consider answering the following questions in your policy: • What is the difference between a meal break and a rest break? • What is an uninterrupted break? • When should meal breaks and rest breaks be taken? • What happens if an employee is interrupted by work during a meal break? • Where should employees be en couraged to take their meal breaks? • What if employees wish to take their meal breaks at their desk? Excluding the situations described above, Michigan employers are not required to provide meal or rest periods to their employees. But if you do, as many employers do, it’s best to understand the law and make it clear up front whether your employees can take meal breaks or rest periods, and whether they will or won’t be paid during them.

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Brothers love peddlin’ pedals as bike shop retailing evolves Continued from page 1

Changing marketing strategies is one way the business keeps the wheels turning. Another is to expand its target market.

“It was always the goal to open our own store.”

That flexibility and a good reputation built over more than two decades saw the shop through the Great Recession’s slump in the newhome market – now recovering after a decade – and an industry-wide bicycle inventory glut last year. “We’re expecting a very good year this year,” Mark said.

Adult Riders South Lyon Cycle still sells lots of kids’ bikes, but there’s also a major focus on adult riders. Yesteryears’ children are still riding, and they’re trading in their skinny-tired bikes for sturdier models. “We sell a lot of comfort bikes – upright handlebars, suspension systems, comfortable seats, pedals shifted forward,” Mark said. Some older bikes can be modified in the shop. “For the person who is not ready to buy a new bike, we do a lot of conversions,” he said. “For example, we can change the stem on the bike or bring up the handlebars.” A customer who doesn’t want to spend around $450 for a comfort bike or $330 for a mountain bike can have an old bike adapted for $75 to $150, he explained. South Lyon Cycle also sells accessories, ranging from bike helmets to water bottles, provides spring tuneups and even fixes brakes on wheeled walkers and horse jog carts.

Enthusiasm The shop’s success grew out of an enthusiasm for bicycling the brothers shared as teenagers. In addition to pleasure riding, the pair worked for Plymouth Schwinn dealer Jerry’s Bicycles. Gary, 56, never left the industry. Even after he earned his botany degree from the University of Michigan, bikes still cast their spell. “I love everything about them,” he said. “It’s a great form of exercise for me, and when I go on a ride, it’s therapy.” After earning a U-M literature degree, Mark, 59, signed on as a pharmaceutical salesman for A.H. Robins. Ultimately, though, he was interested in peddling pedals. “That job was a stepping stone to learning a lot about wholesale and retail,” he said. “It was always the goal to open our own store.” The brothers conver ted a 1,600-square-foot former insurance office into their shop, later expanding it to 4,000 square feet.

Bill to start school before Labor Day moves on Continued from page 1

“Our industry opposes repeal of Michigan’s post-Labor Day school law because doing so will do great damage to our industry, including hotels, golf courses, campgrounds, restaurants, tourist attractions, marinas, convention and visitors bureaus and many other industry segments.” Richeson pointed to a study done by East Lansing-based Anderson Economic Group last summer to determine the post-Labor Day start’s impact on tourism. She said it found that in only two years following the law’s enactment, hotel revenues increased by more than $20 million, and they have continued growing. She said hotel revenues are a strong indicator of overall tourism activity. “We were surprised that the study found the greatest benefit of [the law] was felt by lodging and tourism operators in Southeastern Michigan,” she said. “So, Michigan’s [law] benefits major metropolitan areas and not only Northern resort destinations.” Efforts at Compromise The committee did make some

changes in the bill to attempt to address the tourism industry’s concerns. SB 271 would require school districts to provide a four-day weekend for the Labor Day holiday. It also would prohibit schools from holding classes on Mondays or Fridays in August. Bill sponsor Marty Knollenberg (RTroy) believes requiring the four-day August weekends is a good compromise and that his bill gives districts flexibility to determine what is best for their communities and students. The tourism industr y rejects those moves and has suggested that districts add minutes to their instructional day, extend the school year farther into June or switch to a year-round school calendar to make up for any loss of time caused by the post-Labor Day start. Current law does allow some districts to start the year before Labor Day. A district must apply to its Intermediate School District for a waiver. Not every waiver is granted. It’s not clear when the Senate might schedule a vote.

They operate the store with a single employee – Service Manager Austin White – and sell hundreds of different bike models. The bikes, made primarily by Giant and Trek, come with an average price

their cars.” When Metro Detroiters ride, it’s for a combination of health and fitness and pleasure. “When someone comes in looking to buy a bike, they’re buying something

Gary and Mark Childs are hands-on owners of South Lyon Cycle. Photo by David Trumpie

of $450 to $500. Single-speed bikes go for as low as $229, although one customer purchased a custom-made model for $18,000. Quality First The shop values quality over price. “It might cost less [somewhere else], but is it a good value over a number of years?” Mark asked. “A quality bike is going to last 20 years or more.” Bicycles have changed quite a bit since the Childs brothers fell in love with them. The old, steel-framed 10-speeds weighing 30 pounds or more have given way to bikes made from aluminum or carbon fiber that can weigh less than 15 pounds. “Carbon fiber not only reduces the weight of the bike, but also has a shock absorbent factor,” Mark said. “It’s easier on your body parts.” High Tech The modern bike industry also has tapped into the tech craze. “A big item in the last two or three years has been smartphone holders,” Mark said, explaining that riders use map apps to explore new territory. Also available are bike computers – now wireless – that mount on handlebars to measure distance and speed. “The buzzword in the industry this year is electric bikes, but that has not taken hold yet over here,” he said, adding that the bikes, which cost $2,000 to $5,000, are popular in Europe. “People here are in love with

they’re going to enjoy,” Gary said. “We’re selling that person happiness.” Community Involvement The brothers now have done that for generations of buyers – one way they’ve established themselves as part of the community. Another big way is through service to others. Gary is a commissioner in neighboring Livingston County, while Mark takes time to educate school and scout groups about riding safety. Michigan Retailers Association honored their young business as the 1998 “Michigan Retailer of the Year” in the small retailer category. It was the first year for the awards, which the Association established in order to recognize retail businesses that demonstrate outstanding community involvement. Michigan Retailers singled out South Lyon Cycle, which had been named 1997 business of the year by the local chamber of commerce, for its work raising tens of thousands of dollars through cycling events in support of specific causes and projects. That tradition continues. Its support of the MS150 bike race raises money for multiple sclerosis research. It also participates in Safety Town, a local safety education event. “The community has been good to us and we want to support the community,” Mark said. “And we want to promote bicycle use and safety.” Doug Henze is a freelance writer and former business reporter for the Oakland Press in Pontiac.

April 2017

Threat to local retail remains, but Scott sees progress by Jean B. Eggemeyer

One of the first projects Tom Scott came up with for Michigan Retailers Association was something called “Yule Save Here.” It was an early-1990s attempt to persuade Michiganders to buy their Christmas gifts from retail stores

“...it should remind everyone that anything is possible when an organization and its members remain committed to a worthy goal.” instead of from the explosion of mail-order catalogues. The idea was to remind shoppers how much better – and less expensive – it was to buy from a local retailer. “It’s hard to say how effective the campaign was with the public, but it demonstrated to our members that Michigan Retailers was helping them fight one of the biggest threats to their survival,” Scott said. Fast forward to today and Scott finds it ironic that the players and technology have changed but the threat to local retail remains. Ecommerce replaced catalogues as the clear and present danger. And MRA has countered with the “Buy Nearby” campaign. It’s designed to inform consumers that jobs are eliminated and community benefits disappear when consumers shop online with out-of-state companies and send their dollars out of Michigan. “The core issue never goes away,” said Scott, who is completing his career as MRA senior vice president, communications and marketing. He retires July 5 after 24 years with the Association. Progress Yet Scott sees real progress and draws hope from MRA’s biggest achievements the past several years. “Take item pricing,” he said. “Reforming Michigan’s costly, out-of-step item pricing law was always MRA’s holy grail of legislative issues. “Repeated attempts over several decades always fell short, and it was looking like it would never happen. “But MRA never gave up, and when the legislative stars, sun and moon finally aligned in 2011, we were able to get it done. The legislature emptied the sticker guns and freed retail employees to perform more important tasks.” “That was a huge MRA victory for

retail,” he continued, “and it should remind everyone that anything is possible when an organization and its members remain committed to a worthy goal.” Scott also notes that not long after that victory, MRA scored another significant win through legislative passage of Main Street Fairness. The new law involving collection of sales tax from online purchases was a giant step toward leveling the playing field for Michigan retailers vs. out-of-state, online merchants.

spectively, at the time. It was his good fortune, Scott says, that they hired him and put him in charge of MRA’s communications programs not long after Gov. Blanchard finished his second and final term. “What makes MRA so successful is that under Larry and Jim’s leadership

Fascination Scott says he’s learned a great deal about the retail industry. He admits to being fascinated by its size and economic importance, as well as by how it constantly churns due to intense competition. “At any one time you can point to several big trends in retailing, including some that appear contradictory,” he said. “For instance, at the same time retailers are collectively pouring hundreds of millions of dollars into improving technology to compete with online giants, some of those same giants are opening small, brick-andmortar stores to improve the customer experience. What? It’s retail, that’s what.”

by helping develop innovative communications projects to enhance the MRA brand. They include the Michigan Retail Index, the nation’s first and only monthly gauge of statewide retail activity that’s a partnership with the Federal Reserve. They also include helping grow the Buy Nearby campaign after the MRA Board of Directors came up with the idea of a unique type of “shop local” program to boost traffic and sales at local retailers throughout Michigan. “Buy Nearby has been a major undertaking involving a lot of people at MRA, but it also has been great fun since we added the Buy Nearby Guy mascot,” Scott said. “The mascot travels, with the help of a great group of interns, all over the state making community visits and reminding people of the importance of buying nearby. “It’s especially rewarding when people tell you they support their local retailers and love Buy Nearby. Or when you see children and adults pose for a photo with the mascot or give him a high-five or a hug.”

Fantastic Team Scott and his wife, Suzie, have three adult Tom Scott with his buddy, Buy Nearby Guy. Photo by David Trumpie c h i l d re n a n d s e v e n grandchildren in MichiNewspaper Background it became – and remains – an entregan and California. After graduating from the Universipreneurial organization,” Scott said. Asked what he’ll miss most about ty of Michigan, he taught high school “While other associations simply MRA after he retires, Scott says one journalism for two years. Then he lobbied on behalf of their industry, thing stands out. switched to reporting on politics for MRA also developed innovative mem“I won’t miss the amount of work or a daily newspaper in his hometown of bership services, such as credit card the constant deadlines, but I will miss Royal Oak, and that led eventually to processing, and established its own working with everyone here on importhe job of press secretary for Goverinsurance company. tant projects. It’s a fantastic team of nor Jim Blanchard in the 1980s. “There’s a strategic focus here on employees and there’s outstanding In the Capitol, Scott met and growth and financial strength.” leadership, starting at the top with worked on several small business the boards and President and CEO projects with Larry Meyer and Jim Projects Jim Hallan. Hallan, MRA’s CEO and president, reHe says he has tried to do his part “Every person in this organization believes there’s something special about working here, and there is. We feel good helping members achieve as a large, effective group what they can’t accomplish individually.”

Bound volumes of Michigan Retailer include the years Tom Scott has served as editor.

Jean B. Eggemeyer is a freelance writer based in Northwest Illinois and a former employee of Michigan Retailers Association.

Michigan Retailer

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Court refuses to reinstate settlement Continued from page 1

Senior Vice President and General Counsel Mallory Duncan said. “Now something can finally be done to bring these fees under control.” He added, “Retailers were skeptical of this settlement from the beginning. It would have done nothing to keep swipe fees from rising in the future. It was nobody’s idea of a good settlement.”

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Future Unclear What comes next is unclear. The justices’ decision leaves the 2005 lawsuit pending in U.S. District Court in New York. There, retailers could take it to trial, pursue a revised settlement or focus on other lawsuits over the issue that have been filed more recently. Most news reports about the 2012 settlement strongly suggested the compromise would receive final court approval. To make sure Michigan Retailers Association members were at the front of the line for settlement payments, MRA enlisted a class-action lawsuit specialist to help members file claims for their share of the settlement as soon as it received final approval. The settlement had been reached even though NRF and others argued

that it failed to reform the price-fixing system under which Visa and MasterCard set fees for credit cards issued by thousands of banks. Rather than lower the fees, the card companies proposed in the settlement that they be passed along to consumers as a surcharge. Many retailers rejected the surcharge proposal, saying it was the opposite of what they sought. Retailers who rejected the monetary settlement would still have been bound by other restrictions the settlement insisted they must follow, including a prohibition on future lawsuits over the fees. In 2014, NRF asked the 2nd Circuit to overturn the settlement, saying a broad cross section of the retail industry, ranging from independent Main Street stores to national chains, opposed the deal. The appeals court ruled in favor of the retailers last year, saying that merchants “were inadequately represented” in the settlement. That ruling, however, was appealed to the Supreme Court by some of the original plaintiffs. The Supreme Court’s refusal to hear the case makes it clear that settlement is dead.

April 2017

RETAILERS INSURANCE SAFETY TIPS Retailers Insurance Company is a Michigan-based insurer established by Michigan Retailers Association. Currently, Retailers Insurance provides workers’ compensation insurance and group dental insurance to Michigan businesses of all types and sizes. Retailers Insurance believes safe, healthy employees are key to a successful business. These tips are designed to help.

Drowsy driving doubles risk  New research from the AAA Foundation for Traffic Safety finds that drivers who miss between 1 and 2 sleep hours, out of the recommended 7 in a 24-hour period, nearly double their risk for a crash. That’s especially concerning in view of the fact that, according to the Centers for Disease Control and Prevention (CDC), 35 percent of U.S. drivers get

less than 7 hours of sleep per night. Drowsy driving, AAA says, is involved in more than one in five fatal crashes on U.S. roadways each year.   Notes David Yang, executive director of the AAA Foundation, “You cannot miss sleep and still expect to be able to safely function behind the wheel. Our new research shows that a driver who has slept for less than 5 hours has a crash risk comparable to someone driving drunk.”   Drivers who missed 2 to 3 hours of sleep more than quadrupled the risk of a crash. The research also found that over a 24-hour period, the crash risk for sleep-deprived drivers increased steadily, compared to that of drivers who slept 7 or more hours.   Know Perils Drivers seem to know the perils of taking the wheel while sleepy. While 97 percent told the AAA Foundation they view drowsy driving as completely unacceptable and a serious threat to their safety, nearly one in three admits to driving at least once in the past month when being so tired it was difficult keeping the eyes open.  Signs of drowsy driving include drifting from lanes and not remem-

bering the last few miles driven. Especially scary is the fact that more than half of drivers involved in fatigue-related crashes experienced no symptoms before falling asleep behind the wheel.   AAA urges drivers not to rely on their body to indicate they’re at risk. Instead, make sure to get at least 7 hours of sleep. For longer trips, AAA recommends that drivers: • Travel at a time when they’re normally awake; • Schedule a break every 2 hours or every 100 miles; • Travel with an alert passenger and take turns at the wheel; • Avoid heavy foods; and • Avoid medications that cause drowsiness or other impairment.

Seatbelts do save lives

A National Highway Traffic Safety Administration (NHTSA) study shows daytime seatbelt use reached 90.1 percent in 2015, up from 88.5 percent in 2014. Even with higher use, NHTSA notes that nearly half (48 percent) of people killed in crashes in 2015 were not wearing their belts. When used properly, lap/shoulder belts reduce the risk of death to front-seat occupants by 45 percent and the risk of moderate-to-critical injury by 50 percent.   In 2015, seat belts saved nearly 14,000 lives, and since 1975, seat belts have saved an estimated 375,000 lives.

Take caution while cleaning

If you have cleaning responsibilities at work, follow safe work practices. To protect workers from the hazards of cleaning products, the Occupational Safety and Health Administration and the National Institute for Occupational Safety and Health have produced a bulletin titled Protecting Workers Who Use Cleaning Chemicals, at www.osha. gov/Publications/OSHA3512.pdf. The document addresses several subjects, including safe work practices when using cleaning chemicals. Here’s what you need to know: • Never mix cleaning products that contain bleach and ammonia. • Know which chemicals must be diluted and how to correctly dilute them. • Attend training and apply what you learn about the use and storage of cleaning chemicals, and about emergency spill procedures for cleaning chemicals. • Wear the required personal protective

equipment needed for each chemical, such as gloves and/or goggles. • Know how to read the labels on all containers of cleaning products and chemicals to identify content and hazards. Report containers that are not labeled, and don’t use the chemicals from those containers. • Check with your supervisor about ventilation systems that may be needed during cleaning to allow sufficient airflow and prevent buildup of hazardous vapors. Know where you can wash up after using cleaning chemicals.

Stay safe during tree trimming

If you are involved in trimming or pruning trees, whether at work or at home, understand the hazards and how to stay safe.   Breaking tree trunks can be a hazard to workers in the tree or on the ground. Protect yourself by inspecting each tree’s condition before beginning work. Look for rot, which can occur at the base of the tree or at any point along its length. If one trunk of a multi-trunk tree is rotten, treat all of the trunks -as rotten. For trees that will be felled rather than pruned, use an increment core to determine the internal condition.

For trees that are too rotten to be climbed and felled, use alternate methods, such as cranes, tying in to nearby trees, or felling the tree whole.   Falling wood can be a hazard during “chunking” operations, when sections of the tree are being removed from the top and are allowed to fall to the ground. Protect yourself during chunking operations by clearly marking landing zones and maintaining good communication between workers at height and ground workers. The worker in the tree should warn the ground crew using a prearranged, clearly audible or visible warning signal. Ground crew should acknowledge the signal and indicate whether the landing zone is clear.   Power lines. You can be injured or killed if you contact a power line. Protect yourself by always assuming that power lines are energized. When possible, have the utility company de-energize and ground or shield power lines. Keep ladders, boom trucks and other equipment a safe distance from power lines: • 10 feet for lines carrying 50,000 to 345,000 volts • 16 feet for lines carrying 345,000 to 750,000 volts. • 20 feet for lines carrying more than 750,000 volts.

Michigan’s choice for workers’ compensation and group dental insurance. Work Comp rates reduced for 2017 Dental rates reduced for 2017 Also providing EFT Guard to protect our workers’ compensation insurance policyholders’ business banking from cyber criminals and other unauthorized electronic transfers.

To learn more, ask your Independent Agent, call 800.366.3699 or visit www.RetailersInsurance.com.

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Michigan Retailer

Membership Services Corner by Ally Nemetz, Director, Customer Service and Data Administration Quick notes on key services. Call 800.563.5981 for credit card processing assistance or 800.366.3699 for other matters. We v a l u e your membership and trust. Let us know whenever we can help with your question or problem, no matter how large or small. Open Enrollment for Dental The Open Enrollment period for Retailers Insurance Company dental plans starts May 1 and runs through June 15, with an effective date of July 1, 2017. Eligible employees and dependents have the opportunity to enroll for coverage during this time. To learn more, please contact our office at 800.366.3699, ext. 681. Explanation of Benefits Members of Blue Cross Blue Shield of Michigan’s group and individual plans will no longer receive paper explanation of benefits (EOB) statements in the mail for medical services when the Amount You Pay shown on the statement is $0. Members can still view their EOB statements for the last two years at bcbsm.com or through their mobile app. The exceptions to this change are members who have Federal Employee Program, Medicare Advantage, Michigan Education Special Services Association, dental or vision coverage, or are a part of a FlexLink group. If any member insists on having a paper EOB mailed to them, please call the Customer Service number located on the back of the Blue Cross ID card. Free Medicare Options Seminar If you are turning 65 within the next year or recently turned 65, you won’t want to miss this opportunity to expand your understanding of Medicare and your Supplemental Coverage Options, courtesy of our highly trained Medicare advisory team. You do not need to be Medicare age to attend this free seminar. There are multiple dates to choose from, including April 19, 1–3 p.m. and August 23, 1–3 p.m. They will be held at Michigan Dental Association (MDA) Headquarters, 3657 Okemos Road, Okemos.

To register for the seminar, or to schedule a meeting with Rick Seely of our Medicare advisory team, please call Denise Wyzywany at 877.906.9924, ext. 450, or email her at denise@mdaifg.com. 24-Hour Nurse Line Nurses are available to answer health care questions, whether they’re as simple as how to take an infant’s temperature or as complex as learning about a surgical procedure. You can get fast, reliable health information while avoiding long waits at the emergency room or unnecessary trips to your doctor’s office. Nursing staff are available 24/7 by calling 800.775.BLUE (2583). Credit Card Processing • The support of SSL v3 and TLS 1.0 in the test/certification will be disabled beginning June 1 for all integrated Transaction Classic and Transaction Express systems. • MasterCard will begin issuing cards that start with a 2 instead of their usual 5. Those with an integrated solution should determine if this change will impact their current processing equipment capabilities. • Keyed transactions must be imprinted to remedy a customer dispute. Contact customer service if you need to purchase an imprinter or need imprinter slips. • If you receive a Re-Enter or Lost Communication response when processing a transaction, please contact customer service so we can verify the transaction before you continue to process. • If the customer’s credit card does not process when you insert the chip or swipe the magstripe, hand the card back to the customer and request another form of payment. • On occasion you may receive a phone call or email from one of our partners: Control Scan, which manages PCI Compliance, or TSYS, our processor. Both partners will be able to provide your merchant ID number to validate who they are. Please request verification of your processing account information. • Data security compliance is mandatory. You must complete an annual PCI Self-Assessment Questionnaire to verify if your business is PCI compliant. Visit www.compliance101.com to begin the questionnaire. • Watch for suspicious/frauduContinued on page 11

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Major League pitcher, Walgreens VP keynote disability employment event Lt. Gov. Brian Calley announced the keynote speakers and session topics that will be featured at the upcoming statewide MI Hidden Talent disability employment training workshop in Lansing on Monday, May 8. The workshop will feature former Major League Baseball pitcher Jim Abbott and retired Walgreens Senior Vice President Randy Lewis, who both have been instrumental in making the case for hiring people with disabilities across the country. “Jim Abbott and Randy Lewis are both tremendous inclusion advocates who show what happens if you focus on someone’s ability instead of disability,” Calley said. “I look forward to hearing Jim talk about how he overcame his disability to pitch in the major leagues, and also hear Randy talk about changing the culture and strategy for hiring at Walgreens to focus on people with disabilities. The MI Hidden Talent Workshop is a great resource for businesses looking for talented employees to add to their companies and I encourage business leaders and HR professionals to register today.” Jim Abbott is a native of Flint who was born without a right hand but overcame obstacles to play baseball for the University of Michigan, pitch for the U.S. Gold Medal Olympic Team in 1988 and played 10 seasons for four different major league teams before ending his big league career in 1999. Abbott has worked with the U.S. Department of Labor’s Office of Disability Employment Policy on several disability hiring initiatives. He is now a national motivational speaker. Randy Lewis was senior vice president of Logistics at Walgreens before retiring in 2013. He pioneered a dis-

ability employment model for the company’s distribution centers that resulted in 10 percent of Walgreens’ workforce consisting of people with disabilities. This initiative has been rolled out in Walgreens stores nationwide and has become a model for other employers across the country and abroad. He also is developing an effective low-cost and sustainable disability hiring model for employers. The second annual workshop, sponsored by DTE Energy and AT&T, will feature training sessions on preparing for cultural shift, accommodations and hiring strategies, employee retention and the Project SEARCH internship program. Attendees will gain strategies and best practices from companies already hiring Michiganders with disabilities. The free workshop continues Calley’s and Bernstein’s MI Hidden Talent initiative to increase opportunities for competitive employment for Michiganders with disabilities. Last year’s workshop in Flint drew 275 attendees from more than 100 organizations. Based on available space, workshop attendance is limited to businesses actively looking to hire people with disabilities. A live stream option will be available at www.michigan.gov/ snyderlive. All general sessions of the workshop will be open to media. Media who wish to attend the workshop must RSVP to Laura Biehl at biehll@michigan.gov and present valid press credentials on-site in order to be admitted. To register or for more information about the workshop, visit www.mihiddentalent.com.

April 2017

LOTTERY

New commissioner on duty; Doubler Days back in April by Aric Nesbitt, Commissioner (Editor’s Note: Governor Rick Snyder appointed Aric Nesbitt, of Lawton, to serve as the new commissioner of the Michigan Lottery, effective Februar y 19. Nesbitt succeeds M. Scott Bowen and is the ninth commissioner in the history of the Michigan Lottery. As commissioner, Nesbitt is responsible for the overall management and operation of the Lottery, including development of long-range plans, policy formulation, assuring the accountability and integrity of the Lottery, and establishing and maintaining contact with state legislators to research, evaluate and gauge the impact of Lottery-related legislation. Nesbitt served in the state House of Representatives from 2011 through 2016. He held several House leadership posts, including Majority Floor Leader and Chair of the Committee on Energy.) Doubler Days Michigan Lottery players have the chance to be showered with cash this April when the popular Doubler Days promotion returns to the Club Keno, Fantasy 5 and Lotto 47 games. From April 1 through April 30, all Club Keno, Fantasy 5 and Lotto 47 tickets purchased at Lottery retailers are eligible for Doubler Days. A Doubler message will be printed on random tickets and will double all non-jackpot prizes won on that ticket, all without any additional cost to players. The Doubler feature also will apply to EZmatch prizes on Fantasy 5 and Lotto 47 tickets. This popular promotion has a strong track record of generating excitement among players and boosting sales for retailers.

During the most recent Doubler Days promotion in January, Club Keno sales increased by 11.4 percent. Sales for Fantasy 5 and Lotto 47 increased by a total of 15 percent. The Doubler Days promotion offers double benefits to retailers, with increased sales boosting commissions. Lottery retailers weren’t the only ones to benefit from this successful promotion in January. All told, Club Keno, Fantasy 5 and Lotto 47 players won more than $3 million in Doubler Days bonus prize money. Instants These tickets went on sale April 4: IG 201 - Wild 1’s - $1 IG 783 - Lucky Streak - $5 IG 784 - Triple Million - $10 IG 795 - Multiplier Spectacular - $20 These tickets are set to expire May 1: IG 717 - Platinum, Gold, Silver 7’s - $5 IG 729 - $500 Grand Cashword - $10 IG 732 - 100X The Cashv$20 IG 733 - Wild 10’s - $2 IG 730 - $30 Grand Cashword - $2 Pull Tabs These tickets went on sale April 4: MI 589 - Catch Cash - $.50 MI 592 - Wild Time Doubler - $2 These tickets are set to expire April 10: MI 557 - Detroit Tigers - $1 These tickets are set to expire May 15: IT 858 - Cash Club - $1 IT 859 - Pub Crawl - $1 IT 860 - Red Hot 7’s - $2 MI 539 - $10 Grand Cash - $1 MI 549 - Pub Cash - $1 MI 556 - Casino Cash - $2 MI 565 - Detroit Red Wings - $2 About 97 cents of every dollar spent on Lottery tickets benefits the state in the form of contributions to the state School Aid Fund, prizes to players and commissions to retailers and vendors. In 2016, the Lottery provided a record $888.9 million to help support Michigan’s public schools.

Membership Services Corner Continued from page 10

lent transactions. Call 800.563.5981 option 4 and say, “Code 10” to speak to a specially trained operator. These include: – Multiple card numbers provided for the purchase – Customer tries to distract or rush you during the sale – Numerous purchases in a short period of time

– Customer purchases a lot of merchandise without regard to size, style, color or price – Several purchases on the website – Large purchases at open or close of business – Requests for merchandise to be shipped as rush or overnight – Customer asks you to wire money to the freight company.

NEW MEMBERS Kemner-Iott Agency Inc., Adrian M-33 Supply, Alger Benz Insurance Agency Inc., Ann Arbor Rosedale Products, Ann Arbor Law & Mediation Office of Veronique Liem, Ann Arbor Thrift Shop Association of Ann Arbor, Ann Arbor Turner’s GreenScape Ltd, Ann Arbor Bay Transport Inc., Auburn Brent Hauling, Auburn Hills Jersey Boy Trucking, Auburn Hills Gull Lake View Golf Club Inc., Augusta Humane Society of South Central MI, Battle Creek Specialties Showroom Corp, Berkley D & J Cleaning LLC, Burtchville Sharky’s LLC, Burton Brinks Ice Cream Express LLC, Caledonia Miller Broach Inc., Capac Grand Rental Station, Cedar Springs Air Bear Travel Inc., Cheboygan Ostlund Pest Control North Inc., Cheboygan RJ’s Industries 1 Inc., Columbus HK Services Inc., Dearborn Heights International Brotherhood of TCW of America, Detroit Mandy Food Mart Inc., Detroit Matheson Law Firm, East Lansing Daisy Dukes Inc., Flint Chic Techniques LLC, Fremont A & R Hospitality LLC, Gaylord J & K Catering Inc., Grand Ledge Belden Architectural Products Inc. dba BAPI, Grand Rapids On Stage Services Inc., Grand Rapids SmartCoast LLC, Grand Rapids Neo Natal Associates PLC, Grand Rapids Kilburn’s Equipment Rental Inc., Hazel Park Fragments LLC, Highland Rearick Truck & Trailer Plus, Hillsdale Lake Effect Gallery LLC, Holland

Better Than Your Pawn Shop, Houghton Lake Baldwin Oaks Family Campground LLC, Hudsonville On the Green Logo’s, Hudsonville Ski Brule Inc., Iron River A.R.E. Inc. of Jackson, Jackson Crescendo Academy of Music Inc., Kalamazoo Miners Café, Laurium Sloan’s Sales & Service LLC, Linden Nordlund & Associates Inc., Ludington Easy Living Flooring Inc., Ludington Anesthesia Associates of West MI PC, Ludington Warblers Cove, Lupton Canadian Machinery Movers of MI Inc., Madison Heights Bob’s Septic Service, Marquette Dolphin Coin Inc., Mount Pleasant Melody Music & Vending, Mount Pleasant Megn & Co. LLC, Okemos B.B.W. Holdings Inc., Orion Maniac LLC, Paw Paw Flynn Plumbing & Heating Inc., Petoskey Pickford Feed Service, Pickford DDD Enterprises, Plainwell Phoenix Machine Tools Inc., Plymouth ID Solutions LLC, Portage The Sweet Tooth of Rockford, Rockford Style Dots LLC, Rockford Photography CjenkSig, Saint Johns The ChadTough Foundation, Saline Cole’s Antique Villa, Scottville The Design Company LLC, Standish Biondo Brothers, Sterling Heights Wanna Buy Sheds, Walhalla Richardson Acquisitions Group Inc., Walled Lake Emergency Fleet Service, Warren Lakeshore Legal Aid, Warren AHD Associates Inc., Warren Central Gyp Floors LLC, Weidman TopComp Computer Software Services Inc., Williamsburg Huizenga & Sons Inc., Zeeland

Refer new member, receive $50 MRA members can now earn $50 for every business or organization they successfully refer for membership. The new reward is $20 more than the previous amount, which had not been changed in many years. Referrals are not limited to retail businesses. Any business or nonprofit interested in receiving MRA services that range from business insurances to credit card processing, shipping discounts and college scholarships, can sign up for membership.

Members will receive a $50 check once their referral becomes a member. For best results, members are asked to start by making contact with the person they plan to refer. Referrals, including the business name, contact person and phone, can be emailed to MRA’s Darcy Gates at sales@retailers.com, or she can be reached by phone at 800.366.3699. MRA plans to add an online referral form on Retailers.com in the future.