June 2018 Michigan Food News

June 2018 Vol 72, Number 6

Registration Now Open For New & Improved Fall Event September 23-25 Crystal Mountain Resort Make plans now to join us in September at Crystal Mountain Resort for a new twist on the MGA fall conference. This year’s event — the Michigan Grocers Food Industry Summit — will take networking to the next level. We’ve refreshed the agenda to give both retailers and suppliers more and better opportunities to connect and learn from each other. The Summit, sponsored by the Michigan Retailers Association and its Grocers Division, will be held September 23-25. See page 10 for details.

Also Inside  New Laws Impact Grocers, page 3  Meet Representative Frank Liberati, page 7  Bill Introduced to Ban the Sale of Cough Syrup to Minors, page 11  MRA Launches Private Insurance Exchange for Members, page 11  Members Participate in Dairy Day, page 14

Beverage Market Retail Dollars, Volume Both Grew in 2017

The U.S. liquid refreshment beverage market grew again in 2017, with retail sales increasing about 3% and volume by around 2%, according to newly released data from Beverage Marketing Corporation. Beveragespecific factors, such as the continued vitality of the large bottled water segment, as well as more general ones, such as the continuing economic recovery, contributed to the overall increase in beverage volume, which approached 34 billion gallons in 2017, up a billion gallons from 2016.

Measured in retail sales, the market exceeded $180 billion, propelled both by exceptionally fast growth in small, niche segments as well as growth in bigger, established categories, such as carbonated soft drinks.

All but two segments of the liquid refreshment beverage market grew retail sales in 2017. Ready-to-drink coffee and tea, bottled water, energy drinks, and carbonated soft drinks all showed growth, but fruit beverages and sports drinks showed declines.

Bottled water, which surpassed carbonated soft drinks to become the number-one beverage by volume in 2016, further solidified its leadership with notably vigorous growth in 2017.

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Michigan Retailers Association 603 S. Washington Avenue, Lansing, MI 48933

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president ’s message

June Musings James P. Hallan Publisher Lisa J. Reibsome Editor

Advertising Index Anheuser-Busch ............................................... 2 Grazing Fields ................................................ 10 Michigan Brewers Guild ................................. 4 Michigan Lottery ........................................... 15 Schupan Recycling........................................... 8 SpartanNash ................................................... 16 TOMRA ........................................................... 6 UBCR............................................................... 6 Effective January 1, 2018, Michigan Grocers Association is officially a division of the Michigan Retailers Association

Michigan Grocers Division Board of Directors Rich Beishuizen, Country Fresh Craig Diepenhorst, H.T. Hackney Dave Duthler, AMRA Energy Jim Forsberg, Arctic Glacier Premium Ice Jim Gohsman, SpartanNash John Leppink, Leppink’s Food Centers Ken McClure, Kroger Company of Michigan Bryan Neiman, Neiman’s Family Market DJ Oleson, Oleson’s Food Stores Joe Risdon, Prairie Farms Dairy Don Symonds, Lipari Foods Thom Welch, Hollywood Markets Jim Zyrowski, Ben’s Supercenters Michigan Food News is completely recyclable.

Printed on recycled paper with soyoil-based ink.

Publisher does not assume responsibility for statements made by advertisers in business competition.

MICHIGAN FOOD NEWS © 2018 Michigan Retailers Services, Inc. All rights reserved.

Contact Information Lisa J. Reibsome, communications director 517.449.2256 MGAReibsome@comcast.net  Michigan Food News advertising  Michigan Food News all content, layout, and printing  Grocers Division public relations Grocers Division Michigan Retailers Association 603 South Washington Avenue, Lansing MI 48933 517.372.5656 or 800.366.3699 www.Retailers.com

Announcing Our Private Health Exchange In this issue, there is an article on page 11 about the launch of the new MRA Private Insurance Exchange. The debut of this new exchange, effective July 1, is the result of more than a year of intense planning and testing. Our goal is to provide you with more benefit options and cutting-edge technology so you can quickly evaluate plan benefits and costs. On the health insurance side, MRA will provide plan offerings backed by Priority Health and HAP, and continue to offer BCBS. Dental insurance will also be on the exchange along with small group life, disability, and vision.

Dental insurance will be underwritten by Retailers Insurance Company and continue to be administered by our longtime partner, Delta Dental of Michigan. Guardian will provide small group life insurance and disability. Vision will be provided by VSP. We believe this enhanced product selection and the ease of selecting plans will prove to be a strong membership benefit.

Ballot Issues The trend of enacting legislation by ballot initiatives continues. Two ballot issues have already been certified and one will be on the November ballot. As of this writing, legalization of marijuana will be on the ballot as proposal 1 of 2018. The state legislature approved the second proposal which eliminates the state’s prevailing wage law and ends the requirement that union wages be paid for public projects like schools and government buildings. Yet to be certified are two very troubling issues for retailers. The first is another attempt to mandate scheduled increases in the minimum wage law, and the second would mandate family and sick leave time for employees under a very complicated formula. If minimum wage and mandated leave issues are certified, expect Michigan Retailers to be fully engaged, as the MRA board has already taken a position to oppose these issues.

Scams The frequency of scams, random telephone calls, identity theft, and cyber attacks are increasing at an alarming rate. Unfortunately, there is not a simple defensive system that is 100-percent foolproof. Probably the old adage is still applicable: “If it sounds too good to be true, it’s most likely not a good deal.” Keep the antennas on high alert both from a personal and business perspective.

Workers’ Compensation Insurance Finally, I’m very pleased to report that our Lansing-based Retailers Insurance Company’s financial rating has been upgraded to (A Prime) Unsurpassed by Demotech. continued on page 5.

it ’s the law

Governor Establishes Michigan Craft Beverage Council

Governor Rick Snyder signed House Bill 4667 and Senate Bill 440, sponsored by Rep. Brandt Iden and Senator Goeff Hansen, to change the name of the Michigan Grape and Wine Industry Council to the Michigan Craft Beverage Council and expand the council to include Michigan wine, beer, hard cider, and spirits. The bills are now Public Acts 154-155 of 2018.

The Council will award grants for research into winemaking, hops, barley, beer, and spirits; conduct market surveys and analysis; and offer other programs that encourage the agricultural elements related to Michigan’s craft beverage industries. The Council’s activities are funded exclusively by non-retail, non-wholesale liquor license fees.

“The Council includes a seat for a retailer, and MRA has been invited to the initial meeting to discuss appointments,” says MRA’s Amy Drumm.

Law Replaces Health Insurance Claims Assessment

The governor signed bills to eliminate the Health Insurance Claims Assessment (HICA) and replace it with a smaller Insurance Provider Assessment (IPA). The bills are now Public Acts 173-175 of 2018. HICA assessed a 1% tax on all health care claims paid in the state. It was paid by employers, insurance carriers, and third-party administrators and was seen as a burdensome and costly tax, creating a disincentive to providing health benefits and creating a competitive disadvantage for employers in Michigan.

The new Insurance Provider Assessment will assess Medicaid providers — who benefit from the Medicaid program — at a higher rate than commercial insurance. Other states have adopted a similar concept with success.

Law Allows for Quicker Alcohol Delivery

The governor signed a bill that clarifies how long beer, wine, or mixed spirit drinks must remain in a wholesaler’s warehouse before being delivered to an off-premises or on-premises retailer and provides two exceptions to the 24-hour hold period for product shortages and special events. The new law allows wholesalers to move popular products to retailers as soon as they arrive instead of holding them in the warehouse for 24 hours as is currently required. This will get sold-out products quickly back in stock. The bill is now PA 178 of 2018.

June 2018  Michigan Food News 3

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Beverage Market Retail Dollars, Volume Grew, continued from cover The category’s defining qualities — healthful, natural, calorie-free and convenient — increasingly appeal to U.S. consumers. Pricing remained aggressive, which also contributed to bottled water’s performance. Volume enlarged by 7% and retail sales swelled by nearly 11%.

The International Bottled Water Association (IBWA) reports that all segments in the bottled water category grew in 2017:  Domestic non-sparkling increased 5.5%;  Domestic sparkling increased 27.5%; and  Imported water increased 9.2%.

This data is consistent with a Harris Poll that found more than 3 in 5 Americans (63%) say bottled water (still and/or sparkling) is among their most preferred beverages, followed by coffee (62%). Nearly all Americans (93%) say bottled water should be available wherever drinks are sold.

all beverage market. In contrast, fruit beverages saw contraction in both volume and dollars, while carbonated soft drinks grew in dollars and declined in volume as beverage companies continued to respond to consumers’ desire for less sugar.

Despite their growth, no energy drink, RTD coffee, or value-added water brand ranked among the leading trademarks by volume. No fruit beverage brand did either. On the other hand, sports beverages had Gatorade as the sixth largest liquid refreshment beverage trademark during the year with volume greater than 1 billion gallons.

Beyond Bottled Water Small segments outperformed most traditional mass-market ones. In terms of both volume and dollars, ready-to-drink (RTD) coffee and value-added water advanced forcefully in 2017. Indeed, RTD coffee outperformed all other segments with a 12.3% increase in volume and a 14.4% increase in retail dollars. Value-added water also saw double-digit growth rates in both volume and dollars. Bottled water also outperformed the over-

Soft Drinks Grew Retail Sales Carbonated soft drinks continued to account for four of the five top beverage brands by volume, with the category growing retail sales by 1.2%.

Coca-Cola and PepsiCo retained their usual first and second positions among the 10 leading beverage trademarks in 2017, with Mountain Dew and Dr Pepper claiming third and fourth place. Dr Pepper along with Sprite (ranked seventh) both recorded Leading Beverage Trademarks* volume growth during the year.

Trademark Company Four companies accounted for all of the leading refreshment 1. Coke Coca-Cola beverage trademarks. PepsiCo 2. Pepsi PepsiCo had four brands. Coca-Cola had 3. Mountain Dew PepsiCo three while Nestlé Waters North 4. Dr Pepper DPSG America had two, and Dr Pepper 5. Nestle Pure Life NWNA Snapple Group had one.

6. Gatorade PepsiCo “The beverage industry’s on7. Sprite Coca-Cola going growth in both volume 8. Poland Spring NWNA and retail sales indicates funda9. Dasani Coca-Cola mental strength,” said Beverage 10. Aquafina PepsiCo Marketing Corporation CEO Mi*Includes all trademark volume, for instance all chael C. Bellas. “Its response to types of Coca-Cola including Diet Coke, Zero-Sugar changes in consumer preferences Coke, etc. Source: Beverage Marketing Corp. illustrates its ability to adapt.”

U.S. Liquid Refreshment Beverage Market Change in Volume & Retail Dollars by Segment

Segments Ready-to-Drink Coffee Value-Added Water Bottled Water Energy Drinks Ready-to-Drink Tea Carbonated Soft Drinks Sports Beverages Fruit Beverages

Volume 12.3% 11.7% 7.0% 3.7% 1.1% -1.3% -2.1% -3.9%

Change 2016/17 Retail Dollars 14.4% 10.0% 10.8% 2.8% 3.9% 1.2% -1.2% -2.2%

Source: Beverage Marketing Corp.

U.S. Beer Market Update

The Brewers Association released 2017 data on U.S. beer sales. Overall beer sales were down 1%, compared to 2016 where overall beer sales were flat. The numbers on the graphic are for both off and on-premise retail.

Market research company IRI reports that off-premise retailers (grocery stores, supermarkets, convenience stores, dollar stores, mass merchandisers and military) total U.S. beer dollar sales topped $34 billion. In 2017, beer volume sales in this segment decreased 0.4% while total beer dollar sales increased 1.2%.

Craft beer sales fared better than the overall beer market, continuing to grow at a rate of 5% by volume, reaching 12.7% of the U.S. beer market by volume. Retail dollar sales of craft increased 8%, up to $26 billion, and now account for more than 23% of the $111.4 billion U.S. beer market.

The Brewers Association released its annual ranking of the top 50 U.S. craft brewing companies, based on 2017 sales volumes. Michigan had two entries: Bell’s Brewery ub Kalamazoo, ranked 7th and CANarchy in Comstock Park ranked 9th. It also released its first-ever list of fastest growing small and independent craft brewing companies. Michigan had two: Paddle Hard Brewing of Grayling in 12th place and Ellison Brewing in East Lansing in 44th place.

Here are the Top 20 U.S. breweries, ranked by volume of beer produced last year, according to the Brewers Association: (1) Anheuser-Busch, MO; this summer, Anheuser-Busch is expanding Bud Light’s citrus portfolio with a refreshed Bud Light Lime and the addition of Bud Light Orange, brewed with real lime and orange peels. (2) MillerCoors, IL; (3) Constellation Brands (Modelo and Corona Mexican import labels), IL; (4) Heineken, NY; (5) Pabst Brewing, CA; (6) D. G. Yuengling & Son, PA; (7) North American Breweries, NY; (8) Diageo, CT; (9) Boston Beer, MA; (10) Sierra Nevada Brewing, CA; (11) New Belgium Brewing Company, CO; (12) Craft Brew Alliance, OR; (13) Duvel Moortgat, CA; (14) Gambrinus, TX; (15) Founders Brewing, MI; (16) Bell’s Brewery, MI; (17) Sapporo USA, WI; (18) Stone Brewing, CA (19) CANarchy, MI, and (20) Deschutes Brewery, OR.

President’s Message, continued from page 3 This level of financial stability is assigned to insurers who have unsurpassed financial stability related to maintaining positive surplus and other criteria, including liquidity of invested assets. Demotech has been rating insurance carriers since 1985. The company provides dental insurance administered by Delta Dental and workers’ compensation insurance. Likewise, the Michigan Grocers Fund provides a strong format for securing workers’ compensation. As you explore your coverage options, please consider both industry-supported companies before looking at an unrelated party.

June 2018  Michigan Food News 5

s r e l i a t e R , u o Y k Than ! p i h s r e n a P s r a e y 0 2 r o F “UBCR works successfully in partnership with more than 600 Michigan retailers.

This year, UBCR celebrates 20 years of business. On behalf of everyone at UBCR, we sincerely thank you for your business!�

Nick Kronsbein, UBCR General Manager

UBCR, LLC 4820 Holtz Drive Wixom, Michigan 48393 (888) 422-7404 www.ubcrllc.com

Representative Frank Liberati (D-Allen Park) is serving his second term representing the 13th House District, which comprises the cities of Allen Park and Southgate, and part of Dearborn Heights.

At age 16, he joined the United Food and Commercial Workers Union and began working at Farmer Jack Supermarkets. He continued working there while he earned his bachelor’s degree from Michigan State University.

He then spent more than 15 years as a marketing manager for two semi-trailer manufacturing companies. In 2001, he renovated an old building and opened Liberati’s Italian Deli and Bakery.

He and his wife have spent the last 17 years operating this successful small business.

Before running for the House, he was elected to the Allen Park Board of Education in 2004, serving as its president from 2006 through 2012. Today in the House, he serves as an assistant Democratic whip. He is Vice Chair of the Families, Children, and Seniors Committee and serves on the Regulatory Reform and the Law and Justice committees.

Do you sell alcohol at your deli/bakery?

I have a license to sell beer and wine. I serve on the Regulatory Reform Committee, and we deal with issues relating to liquor licenses. We have recently spent time looking at the half-mile rule. I’d like to see the half-mile rule remain in place because there are people who invested in their business knowing that a competitor couldn’t open next door. I hate to see that just disappear. I would be more receptive to eliminating the rule if we put something in place to gradually phase it out to help business people deal with the change.

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You graduated from Michigan State with a degree in Marketing. How do you become interested in public service?

My youngest son has a developmental disability called Fragile X. He is not verbal, and back when he was just starting school, I got into a little tussle with the school district. They didn’t want to educate him in the local elementary school, which was near our house and where his two older brothers went. They said he had to go to another district. I said no, so we filed a due process compliant. We ended up reaching an agreement before the administrative law judge made a decision. During this process, I decided to run for the school board. I was elected, and then a year and a half later they elected me president.

I served as president for seven years. Running for this office seemed to be a good next step.

What specific goals do you want to accomplish?

I am a big advocate for individuals with disabilities, and really, all vulnerable populations such as seniors. I am Vice Chairman of the Families, Children, and Seniors Committee, so all those issues come into play. This session I’ve been working with the committee chair, Rep. Daire Rendon, on regulations regarding adult foster care facilities. I’m hoping we can get some reforms passed before the end of the year.

You own Liberati’s Italian Deli and Bakery. Tell us about your business.

It’s awesome. The store is small — about 2,400 square feet and we employ 14 people. We have a full deli counter that includes Americanstyle lunch meats, but we specialize in Italian meats and cheeses. We make subs to order, and we sell over 100 pepperoni rolls a day. In the bakery part, we make Italian bread from scratch every morning; and my wife makes a ton of Italian cookies and other Italian desserts. Also, our unbaked pizzas and our unbaked lasagnas are very popular. We do a lot of catering, and we have a very small grocery area. I have a lot of respect for grocers’ ability to operate on razorthin profit margins.

State Representative Frank Liberati

By Lisa J. Reibsome, Editor

How do you like being member of the Michigan Retailers Association?

It’s good. I really like the advocacy. That’s a big benefit. The association has a good presence here in Lansing, and it’s easy to get information on what’s happening legislatively.

The governor has challenged the state to double its recycling rate. What are your thoughts on Michigan’s recycling efforts and on what we should do to improve recycling in Michigan?

We don’t get many cans and bottles brought back into our store, but I know it’s a challenge for grocers to deal with that whole process. I don’t support expanding the law to include other containers.

We have curbside recycling at my home but not my business. We need to find a way for cities to provide businesses the same services they provide homeowners if businesses want them.

I would certainly be willing to sort my recycling items at my business as well as my home.

I would be willing to spend the time. I know that I could pay extra and get a recycling container at the store, but then that’s another business expense. I just am not willing to spend both time and money for a special recycling dumpster at my business.

What should Michigan grocers expect to see from the Legislature that may impact them?

The House recently approved a bill that fixes an oversight in the law to allow SDM licenses to be issued in towns with populations below 1,000 people. Right now, the law allows the Liquor Control Commission to issue one SDM license for each 1,000 of population. House Bill 5719 would amend the law to specify that the MLCC could issue one SDM license for each 1,000 of population or fraction of 1,000. This would create an opportunity for rural grocers to get a license to sell beer and wine.

What have you accomplished as a legislator of which you are most proud?

I was happy to lead the passage of a nine-bill package to end some barbaric non-emergency restraint and seclusion practices that had been taking place in Michigan schools. The way they were handling children with disabilities who had a meltdown was terrible. I served on the Special Education Reform Task Force that recommended reforms to the governor, and I then worked with Lt. Governor Brian Calley on a bipartisan effort to develop bills and get them passed. Now the use of restraint and seclusion is severely restricted and there are other safeguards in place.

I am glad we were able to get that done. Now I hope Rep. Rendon and I are able, this term, to get the adult foster care reforms done as well.

Give us a glimpse into the personal side of your life: When I’m not here or in my district meeting with constituents, I am working at our deli/bakery. My oldest boys help out at the store and my wife is also there, so I get to see them even when I’m working. And we text and talk on the phone.

However, my son Antonio is nonverbal, so the only way I can interact with him is to be with him. So he and I do as much as we can together including running errands. I love to spend time with my family.

It’s about an hour and 20 minutes from my home to Lansing, so rather than commute each day, I have an apartment in town that, until recently, I shared with my oldest son. He just graduated from MSU. When I can find the time, I also like to golf, but I mainly just hang out with my family as much as I can.

Where do you a shop for groceries?

We shop at Kroger and Meijer. I worked at Farmer Jack for 7 years while in high school and college. It was such a fantastic job. I loved it.

June 2018  Michigan Food News 7

Success.

MI D CHI N U GAN 10¢ REF

Michigan’s grocers play a key role in the beverage container deposit system • At 93%, Michigan has the highest recycling rate in the nation for beverage containers.

• Grocers play an essential role in keeping Michigan roads and beaches the cleanest in the Midwest, saving millions on cleanup costs. schupan.com

• Michigan’s deposit system produces highly sought-after industrial materials, creating jobs. Companies want what Michigan produces.

It’s amazing what a dime can do.

Thanks Michigan grocers!

Nielsen Offers Insights into Alcohol Sales Nielsen reports that factors such as shifting demographics, stagnant wages, health and wellness trends, and declining big brands are playing a part in decelerating alcoholic beverage growth.

Today, information is everywhere and choice is rampant, and the alcoholic beverage category in the U.S. is a perfect example of how this impact sales says Nielsen. Not too long ago, consumers would either consume alcohol at their favorite restaurant or bar, or they would grab a six pack on their way home or to a party. However, now, the abundance of information, places to make purchases, and variety of products available are making it increasingly challenging to stay ahead on the retail front.

The number of places (on and off-premise) that sell alcoholic beverages in the U.S. grew by more than 100,000 between 2007 and 2017 (528,594 vs. 644,647). Cosmopolitan suburbs saw more growth than affluent metro areas, traditional suburbs, bubble communities, and challenged communities, which were the other locations examined.

In the case of beer, an overabundance of products is a factor as well, as the number of beers available continues to grow (1,398 at year-end 2017 vs. 1,336 in 2014).

Looking for Something New Of the adults surveyed who drink alcohol: 30% say they want to try something new; 56% want a different selection of beer; and 38% want more specialty or limited-run beer options.

Millennials Are Not All the Same Nielsen also found that while older Millennials favor beer and wine, younger Millennials gravitate more toward ciders and spirits. Nielsen also found differences where younger and older Millennials purchase alcohol.

Both groups say their first choice most often is a convenience store followed by a liquor store. Older Millennials are also likely to shop a membership club store and grocery store for their adult beverages.

Adapt and Overcome Challenges Nielsen recommends that retailers should propose food pairings — both on menus and in stores where alcohol is sold — as a way to increase alcohol sales. Today, all consumers, and Millennials in particular, plan an increasing amount of food-led events, and this is a way to capitalize on that trend.

Health and wellness is another trend on which Americans are very focused. And there are ways for retailers to tap into this movement such as suggesting the right pairing of low-calorie, low-carb, healthy food options and alcoholic beverages. In addition, when it comes to meeting consumer desires for convenience and a unique experience, Nielsen suggests that retailers explore the shipping and delivery options and consider offering wine or beer-of-the-month clubs to shoppers.

MDARD News

Clarifying Updates to Michigan’s Food and Feed Laws

By Tim Slawinski, Director, Food and Dairy Division, Michigan Department of Agriculture and Rural Development* To align the rules for the state’s food and feed companies with federal rules and industry standards, Michigan adopted the federal regulations created by the Food Safety Modernization Act (FSMA) into the Michigan Food Law (P.A. 92 of 2000, as amended) and Michigan Feed Law (P.A. 120 of 1975, as amended). These changes took effect March 26, 2018, through Public Act 92 of 2018.

While MDARD adopts federal regulations for the rules used to oversee many food businesses in Michigan, the recent changes are specific for operations that manufacture, process, pack, hold, or transport food and feed, as well as farms that grow and harvest fresh produce. Retail food establishments (grocery/convenience stores) and foodservice operations (restaurants) are NOT directly impacted by this recent change.

There has been some confusion between the recently adopted FSMA rules and the rules pertaining to foodservice and retail food establishments.  The FSMA rules that were adopted are in the Code of Federal Regulations (CFRs) and do not directly apply to retail or foodservice establishments. Those operations fall under the FDA Food Code, which Michigan also adopts into state law.  The 2009 FDA Food Code is the version currently adopted into Michigan law. While FDA has released a newer version (2017), Michigan has not adopted that version at this time. Therefore, the 2009 FDA Food Code is what is considered the current law for Michigan foodservice and retail food establishments.

Retail Food Establishment Changes In 2017, a group of stakeholders representing various groups of Michigan food businesses worked on proposed law changes (which would in-

clude the 2017 FDA Food Code). The work done by that group has not yet been finalized and is separate from the FSMA changes just discussed.

The overlap in timing of these two separate efforts has led to confusion.

Hopefully this helps clarify some of that confusion. The effort around the additional proposed law changes will pick back up in mid-2018.

For businesses that do fall under the FSMA rules, there is no immediate impact due to the recent change. Later in 2018 and in 2019, implementation of these changes will begin. The regulations that are cited during MDARD inspections at manufacturing firms and warehouses will change in October of 2018 from 21 CFR 110 to 21 CFR 117. Firms must also have a Food Safety Plan, as required by current federal regulations.

In 2019, MDARD will begin conducting inspections at farms that grow and/or harvest produce intended to be consumed raw under 21 CFR 112.

There are also new rules for operations that transport food. More details on each of these rules can be found at www.fda.gov/fsma.

Public Act 92 of 2018 also included a few other changes unrelated to FSMA. A change to the state license fee structure for Local Health Departments was included in the bill. The fees between MDARD and the Local Health Departments are now at a set rate. Previously, MDARD was required to adjust the state license fees annually based on the Detroit Consumer Price Index for certain license types. With the recent change, new fees will be set on January 15, 2019 and remain static.

A new definition was also added through PA 92. The term “Micro Market” was added to define certain types of unmanned food operations.

Moving forward, firms that meet all the criteria outlined in the new definition may apply to be licensed as vending operations. For more information on PA 92, see http://legislature.mi.gov/doc.aspx?2017-HB-4811. * For information on MDARD’s New Food and Dairy Division Director and other MDARD personnel changes, see page 13.

June 2018  Michigan Food News 9

Michigan Grocers FOOD RETAILERS SUMMIT continued from cover

Join us in September at Crystal Mountain Resort for a new and improved event. The Michigan Grocers Food Retailers Summit will take networking to the next level. We’ve refreshed the agenda to give both retailers and suppliers better opportunities to connect. For starters, the trade show is gone. Instead, industry partners came together to help design an event that better meets retailer and supplier needs, delivering on how to best build business.

So leave the trade-show set up behind and come ready to talk one-on-one at Monday’s Grocer - Supplier CONNECT Luncheon. It’s the perfect opportunity for conversations that benefit both retailers and suppliers.

This year all meals are included in the in the reduced registration fee of just $120 in recognition of the 120th annual gathering. Several sponsorship opportunities are available — from placing your items in our Buy Nearby Swag Bag to sponsoring a table at the CONNECT Luncheon to underwriting an event to being a host sponsor. For more information on sponsorship or to get an event registration form, contact Nora jones at njones@retailers.com or (800) 366-3699 ext. 344. Make hotel reservations directly with Crystal Mountain Resort. Call (855) 520-2974 and ask for the Michigan Grocers room block (Group No. 4642OM).

Your Favorite Events Will Continue You may want to start practicing now if your goal is to take the bocce cup away from last year’s winners.

Or maybe you have your sights set on winning this year’s cornhole tournament. And if Euchre is your game, we’ve got a tournament this year that will provide the perfect opportunity for you to shine.

10 Michigan Food News  June 2018

OSHA Reminds Employers to Submit Forms

The Occupational Safety and Health Administration reminds employers — if currently required to comply with OSHA’s recordkeeping requirements — that they are required to electronically submit data from their 2017 Forms 300A to OSHA by July 1, 2018.

This applies to establishments with 250 or more employees. It also applies to establishments in designated industries with 20-249 employees. These designated industries specifically include wholesale trade, grocery stores, specialty food stores, and warehousing and storage. OSHA has instructed compliance officers during onsite inspections to ask whether the establishment has submitted its 300A form electronically to OSHA and to request proof of such submission.

Summer Gasoline Rules in Effect

Ozone monitoring returned to eight counties in Southeast Michigan as extra measures are implemented to lower smog levels in the area. Effective June 1, 2018, Lenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, and Wayne counties must only sell or dispense gas that does not exceed 7.0 pounds per square inch vapor pressure.

Enforcing the low-RVP requirement by Michigan Department of Agriculture and Rural Development ensures that Michigan continues to receive federal highway funding dollars. MDARD inspectors will be conducting onsite testing during the summer gas season, which runs from June 1 to September 15.

Legislative Bill Proposes New Rules House Passes Bill to Revise Small & to Hold Retailers Liable for Town Beer, Wine License Quota The House passed House Bill 5719, introduced by Rep. Curt Regulatory Security Breaches VanderWall (R-Ludington), to allow specially designated merSenator Darwin Booher (R-Evart) introduced Senate Bills chant (SDM) licenses to be issued in towns with populations News 632-633 to change Michigan’s existing data breach notifica- below 1,000 people. Current law allows for the issuance of one

tion law. The bills propose that businesses be held liable for the costs of reissuing credit cards and freezing accounts when cardholder information is compromised. Specifically, SB 633 would:  Require that businesses keep all employee information and personally identifiable information in an encrypted format;  Require notice of a breach within three days to financial institutions;  Require breached businesses offer identity theft protection and mitigation services for 12 months to affected individuals; and  Allow a financial institution to bring a civil suit against another entity that has a breach that contains personally identifiable information for actual damages (reissuing cards, closing accounts, opening or reopening deposits, refunds or credits made to cardholders, notification).

MRA testified in opposition of the bills. “If adopted, the bills would double the cost for retailers or business owners who are the victim of a data breach,” says MRA Vice President of Government Affairs Amy Drumm. “It would also make an efficient system of notification extremely complicated by requiring a separate notification be provided directly to the issuing bank or credit union within three days — a near impossible standard.” The Senate Banking and Financial Institutions Committee has not yet voted on the bills.

MRA Launches Private Insurance Exchange for Members For the first time, Michigan Retailers Association members will have an array of health insurance options for their employees through the MRA Private Insurance Exchange, which will launch July 1.

The exchange will give members a way to save on insurance costs and offer their employees the best insurance coverages available.

Priority Health and Health Alliance Plan (HAP) are the two health insurance programs on the exchange. HAP is a subsidiary of Henry Ford Health System, a Detroit based-integrated delivery system. Priority Health is a Grand Rapids-based non-profit founded in 1986.

Both insurance carriers are well-known in Michigan and, between the two of them, provide coverage in most Michigan regions. Also on the exchange is Retailers Insurance Co. dental insurance, administered by Delta Dental; VSP vision insurance; and Guardian for life and disability insurances.

MRA will continue to offer Blue Cross Blue Shield of Michigan health insurance as an option for members.

Through MRA’s Private Insurance Exchange, employees will be able to compare and purchase health insurance, as well as dental, vision, life, and disability.

license to sell beer and wine for every 1,000 people. Many communities in rural areas don’t reach that population threshold, so retailers in those areas cannot obtain a SDM license. The MRAsupported bill now goes to the Senate for consideration.

Bill Introduced to Ban the Sale of Cough Syrup to Minors

Rep. Diana Farrington (R-Utica) introduced House Bill 6057 to prohibit sales of cough syrup or other products containing dextromethorphan to minors. Retailers would be required to check the ID of anyone purchasing over-the-counter products containing dextromethorphan unless the person looks to be at least 25 years old. The bill includes penalties for selling to minors that range from a warning letter for a first offense to a $100 civil fine for a third or subsequent offense. The House Health Policy Committee is considering the bill.

“The new insurance exchange helps address a clear need from members — particularly small retailers with only a few employees. Now they have choices for affordable insurance for themselves, their families, and their staff members,” says MRA President and CEO James P. Hallan.

The exchange offers a defined contribution program, which lets employers decide which insurances to offer employees and define how much they’ll contribute toward employees’ benefits. Employees then use these contributions to select insurance products that best meet their needs.

“The new insurance exchange helps address a clear need from members — particularly small retailers with only a few employees. Now they have choices for affordable insurance for themselves, their families, and their staff members,” says MRA President and CEO James P. Hallan.

“The exchange will help our members navigate the ever-changing health insurance environment,” adds Ally Nemetz, MRA insurance expert. “And we’re so pleased to be able to offer Priority Health and HAP, two of the most reputable insurance providers in Michigan.”

If participants choose to bypass the exchange and enroll with BCBS coverage, they can simply contact Nemetz at (800) 366.3699, ext. 681 or anemetz@retailers.com.

Nemetz and Jodi Barber, MRA’s Employee Benefits Administrator, have worked on ramping up the exchange since last year and are excited to see it come to fruition.

“The tool is a convenient way to access the insurance products for a one-stop shop. It’s very

intuitive to use, and allows employers to easily compare plans and choose which options fit them best,” Barber says.  When can you make changes to your insurance plan?

• Employers can make changes to their plan anytime during the year. Insurance carriers usually require a 30 to 45-day lead time.

• Individuals can enroll in an individual health insurance plan during the annual Open Enrollment Period that runs Nov. 1 through Dec. 15.  How can you access MRA’s Private Insurance Exchange?

Go to retailers.com/private-exchange. To get a quote, you’ll be asked to complete a basic registration form and start your shopping experience. You can apply for coverage immediately or print the quote and enroll at a later date.

Personalized customer service is available at any step along the way. Call MRA’s Insurance Department at (800) 366.3699 ext. 681 or email Nemetz at anemetz@retailers.com.

Consumers Question the Freshness of Food Bought Online

While online shopping is almost universal in the U.S., over half (53%) of Americans are concerned about the safety of products bought online, according to new research from Mintel.

And although young Americans have been brought up as digital natives, Mintel reveals that these consumers are exercising the greatest caution when shopping online, with almost two thirds (63%) of 18 to 24-year-olds expressing concern about online product safety. Beyond product safety, 78% of shoppers also worry about

the freshness of food products they buy online. It appears that freshness is a significant barrier as just 10% of Americans say they buy fresh produce, meat, poultry, or fish online.

Despite the fact that consumers are spending more time and money online, trust remains a hurdle for online retailers to clear. Some 14% of all online food and drink consumers cite trust as the issue that prevents them from adding a product to an online shopping cart. This number rises to 17% for 18 to 34 year-olds. What’s more, many

Americans are deterred by the lack of ability to test the value of the product for themselves as 69% hesitate to buy something they can’t see or touch in advance, and 75% strongly prefer to sample products before purchasing.

Saving money (56%) is the top reason Americans say they buy food/drink products online, followed by saving time (46%), finding a specific item (45%), and avoiding the store (42%).

Women (48%) are more likely than men (37%) to products online to avoid the store.

June 2018  Michigan Food News 11

I-9 Form Audits Up Since October

Less than seven months after U.S. Immigration and Customs Enforcement (ICE) issued a directive that called for increased worksite enforcement investigations to ensure businesses maintain a culture of compliance, the agency’s Homeland Security Investigations (HSI) has already doubled the amount of ongoing worksite cases this fiscal year compared to the last fully completed fiscal year.

The agency reports that from October 1, 2017, through May 4, 2018, HSI opened 3,510 worksite investigations and initiated 2,282 I-9 Form audits, up from 1,716 worksite investigations and 1,360 I-9 audits from October 1, 2016, through September 30, 2017.

HSI also made 594 criminal and 610 administrative worksite-related arrests compared to 139 criminal arrests and 172 administrative worksiterelated arrests in the prior year.

Employers: With this significant increase, employers should take time to ensure that their I-9 Form compliance practices meet federal requirements. Businesses that fail to comply are subject to penalties of up to $2,236 per violation. In FY 17, businesses were ordered to pay $97.6 million in judicial forfeitures, fines, and restitution, and $7.8 million in civil fines.

All employers generally must fill out and keep an I-9 Form for every person hired in the U.S., as long as the person works for pay or other benefits. Newly hired employees must complete and sign Section 1 of the I-9 Form no later than the first day of employment. An employee must present to the employer an original document that show his or her identity and employment authorization within three business days of the date employment begins. In addition, employers must retain an employee’s completed I-9 Form for as long as that person works for the employer. The I-9 Form does not need to be filed with any federal agency.

New Member Benefit Now There is a Simple, Accurate Way to Track Product Taxability

The Michigan Retailers Association is pleased to announce a new member benefit for grocery stores, convenience stores, and other retailers.

MRA has partnered with Avalara, a leading provider of sales tax compliance solutions, to help retailers quickly and accurately determine if a product is taxable and if it is eligible for SNAP/EBT. The service also provides tax rates on every item sold. Avalara’s services is called MatrixMaster, and it includes an ever-growing database of over 15 million UPCs. “Tracking product taxability is complicated,” says MRA Business Development Director Darren Zwick. “Avalara’s MatrixMaster makes it easy. Avalara is a great example of how vendor partners can help our members achieve better results on a day-to-day basis.”

MatrixMaster provides a customized, fully-managed service: • Millions of product codes for thousands of jurisdictions; • On-demand reporting;

12 Michigan Food News  June 2018

• Customer dispute resolution; and • Sales tax holiday and exemption tracking.

Retailers who use the service don’t have to worry about: • Relying on busy staff to research taxability and rate changes across every state for every product; • Getting hit with collection fees; • Tying up customer service with over-charges; • Finding state and local tax rates; • Complex SNAP and tax holiday determinations; or • Costly point-of-sale audits.

“As a first step, Avalara would like to offer an analysis of your current tax flags,” Zwick says. “All you have to do is send them your UPC file, and they will review the matched items for potential errors.”

If you have questions or want to get started with Avalara, please contact Tracy Jones at tracy.jones@avalara.com or (804) 916-9977.

Kroger and Home Chef Join Forces

Association Member The Kroger Co. and Home Chef, the country’s largest private meal kit company, announced a merger agreement that will significantly accelerate availability of meal kits. The pending merger comes on the heels of Home Chef’s 150% growth in 2017, $250M in revenue, and two profitable quarters.

“Customers want convenience, simplicity, and a personalized food experience. Bringing Home Chef’s innovative and exciting products and services to Kroger’s customers will help make meal planning even easier and mealtime more delicious,” said Kroger’s Chief Digital Officer Yael Cosset. “This merger will introduce Kroger’s 60 million shoppers to Home Chef, enhance our shipto-home and subscription capabilities, and contribute to Restock Kroger (the company’s plan to redefine the food and grocery customer experience).”

Home Chef employs approximately 1,000 employees, is headquartered in Chicago, and operates three distribution centers in Chicago, Atlanta, and San Bernardino. Home Chef’s distribution centers reach 98% of all continental U.S. households within a two-day delivery window.

After the deal closes, Home Chef will operate as a subsidiary of The Kroger Co., maintain its e-commerce business on homechef.com, and assume responsibility for Kroger’s meal solutions portfolio. Kroger will make Home Chef meal kits available to Kroger shoppers, both in stores and online.

Meijer Logistics Manager Named First Woman Chair of National Private Truck Council Board

Association Member Meijer’s Logistics Manager Carol Heinowski was recently named Board Chair of the National Private Truck Council (NPTC), a Virginia-based trade association that represents the private corporate trucking fleet. The 10-year Meijer team member is the first woman in the association’s 79-year history to take the helm.

Heinowski joined Meijer in 2008 to ensure the Meijer fleet – and its 325 drivers – are in compliance with safety regulations. She previously spent 20 years working for the federal government as a safety investigator, conducting accident investigations, roadside inspections on drivers, and compliance audits for companies. Heinowski became involved in the NPTC board in 2012, and was elected Vice Chair in 2016. She will serve as Chair for two years.

“Women represent a very small minority in the trucking industry. So I hope my appointment as Board Chair inspires other women to either enter or continue in this field,” Heinowski said. “I’ve been in the industry for almost 30 years, and I’m beginning to see more women in leadership positions. While I’m the first woman to be chosen as Board Chair at NPTC, I hope it’s the start of a new trend.”

In this role, Heinowski’s responsibilities include setting the agenda for and running each board meeting. Additionally, she wants to promote association membership because it offers a variety of educational workshops centered around driver safety and compliance.

SpartanNash Foundation, Store Guests Raise $286,500 for Special Olympics

Together with its store guests and company associates, the SpartanNash Foundation’s Special Olympics scan campaign raised $286,500 on behalf of athletes and State Summer Games in Michigan, Iowa, Minnesota, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin. Among the states, Michigan raised the largest amount: $165,000. The check was presented during the State Sumer Games opening ceremony on May 31 at Central Michigan University.

Also in Michigan, in addition to raising money, SpartanNash associates prepared and fed hundreds of volunteers throughout the State Summer Games.

SpartanNash donates all of the food for the volunteers and prints the Summer Games programs and handbooks as well.

More SpartanNash News: Company Introduces Good to Go! fresh from Open Acres — SpartanNash announced its newest private brand, Good to Go!, designed to accommodate busy consumers with fresh, flavorful, and healthy meal solutions. Good to Go!, fresh from Open Acres adds to SpartanNash’s private brand portfolio. The new brand is currently available exclusively at SpartanNash retail stores and will expand to the company’s more than 300 Michigan independent retailers in the coming months.

Michigan Department of Ag and Rural Development Announces Leadership Changes

MDARD Director Gordon Wenk Selects Ken McFarlane as Chief Deputy Director Michigan Department of Agriculture and Rural Development Director Gordon Wenk announced the selection of Ken McFarlane as the department’s Chief Deputy Director. He replaces Wenk, who became MDARD Director earlier this year when Jamie Clover Adams stepped down as Director.

McFarlane McFarlane began working at MDARD in June 2014 as the Director of Strategy and Business Performance. He then became Deputy Director in February 2016 overseeing the administration and operation of the department’s Food & Dairy Division, Laboratory Division, and the Office of Organizational Innovation.

Prior to joining MDARD, he worked in the private sector as a civil engineering consultant on public infrastructure and large land development projects in the Midwest and Western United States.

“Ken has been integral in multiple enterprise-wide strategic planning and implementation efforts involving service delivery, employee engagement, sustainable operations, and information technology,” said Wenk.

Graduating from Trine University with a bachelor’s degree in Civil Engineering and from the University of Michigan with a master’s degree in Public Administration, he is a registered Professional Civil Engineer in both Michigan and Nevada.

We k Selects Dr. James Averill as New Deputy Director MDARD Director Wenk also announced the selection of Dr. James Averill as the department’s new Deputy Director. Averill fills McFarlane’s previous role as Deputy Director.

Averill joined the MDARD team in August 2009 working in the department’s Animal Industry Division as the Bovine TB Eradication Program Coordinator. In June 2011, he became the Animal Industry Division Director and then added the role of State Veterinarian to his duties two years later. Averill received his bachelor’s degree in veterinary science from Michigan State University in 1999 and his doctorate of veterinary medicine in 2001 also from MSU. Slawinski Selected as MDARD Food and Dairy Division Director MDARD Director Wenk also announced the selection of Tim Slawinski as the Director of the department’s Food and Dairy Division (FDD). Slawinski replaces former FDD Director Kevin Besey who has taken a new assignment in the MDARD Executive Office.

“Tim brings the combination of a strong background in food safety, a Slawinski working knowledge of state and federal food and dairy regulations, and management experience to the position,” said Wenk. “He is a valued member of our Food and Dairy team, and I am pleased to see him move into the top leadership role for the division.”

Slawinski has more than 18 years of combined food safety experience in the private sector, including at Cargill, Kellogg Co., and NSF International, as well as in state government. He joined the department in 2012 as an emerging issues specialist for FDD. He was selected to manage the Food Safety Modernization Unit formed in September 2016, where he led the implementation of a Produce Safety Program in Michigan and helped develop strategies to implement changes in Michigan’s Food Law. Most recently, Slawinski served as FDD’s Acting Deputy Division Director.

Slawinski graduated from Michigan State University in 2000 with a Bachelor of Science degree in microbiology and has earned numerous certifications in the food safety field.

June 2018  Michigan Food News 13

Lottery News

Doubler Days Return Expected to Boost Club Keno, Fantasy 5, Lotto 47 Sales

By Brian O. Neill, Michigan Lottery Commissioner Michigan Lottery players have the chance to double their fun this June as the popular Doubler Days promotion returns for the Club Keno, Fantasy 5, and Lotto 47 games.

From June 1 through June 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, without any additional cost to players. The Doubler feature also will apply to EZmatch prizes on Fantasy 5 and Lotto 47 tickets. Club Keno Extra and The Jack prizes are excluded from the promotion.

This popular promotion has a strong track record of generating excitement among players and boosting sales for retailers.

The Doubler Days promotion offers double benefits to retailers with increased sales and increased commissions. Lottery retailers weren’t the only ones to benefit from this successful promotion in September. All told, Club Keno, Fantasy 5, and Lotto 47 players won more than $2.8 million in Doubler Days bonus prize money.

Retailers and Players Win with Golden Ticket Instant Game The Michigan Lottery’s Golden Ticket instant game (#231) was a huge success for retailers. The $10 instant game has performed well with 7 million Golden Tickets sold since the game launched in July 2017.

The Golden Ticket game offered players an opportunity to enter nonwinning ticket codes for a chance to win one of 15 trips to Las Vegas to

participate in the Billion Dollar Challenge on April 18. Michigan Lottery players submitted more than 400,000 non-winning Golden Tickets for entries into the Billion Dollar Challenge.

Fifteen Michigan Lottery players recently joined 90 lottery players from around the country to take part in the Billion Dollar Challenge for a chance to win up to $1 billion. The event took place at the LINQ Hotel and Casino in Las Vegas.

A Georgia player won $2 million in the final round of the Billion Dollar Challenge, but none of the players won the $1 billion prize.

Players have won more than $28 million playing Golden Ticket. Each $10 ticket offers players a chance to win prizes ranging from $10 up to $1 million. More than $28 million in prizes remain, including two $1 million top prizes and 31 $10,000 prizes. The Golden Ticket instant game is still available at retailers.

To capitalize on the popularity of the game, the Lottery will launch Golden Ticket II (#267) on Monday July 2. Each $10 ticket will offer players more than 20 chances to instantly win prizes ranging from $10 up to $1 million. Again, players also may enter codes from non-winning tickets by visiting MichiganLottery.com/GoldenTicket for a chance to win one of 15 trips for two to Las Vegas and for the opportunity to play the Billion Dollar Challenge and possibly win up to $1 billion. The trip includes deluxe hotel accommodations for four days and three nights, round-trip airfare for two, ground transportation to and from the Las Vegas airport and hotel, and $1,000 spending money.

Dairy Industry Celebrates Michigan Dairy Foods Awareness Day at the Capitol

Governor Rick Snyder declared June 6, 2018, as Dairy Day in Michigan, and representatives of Michigan’s dairy industry gathered on the Capitol lawn in downtown Lansing to celebrate the state’s dairy industry and farmers, the dairy sector’s contribution to Michigan’s economy, and the role it plays in feeding Michiganders.

Dairy Foods Awareness Day featured free samples of locally produced dairy foods. This year’s celebration included a special appearance by two-time Olympic Gold Medalist soccer player and Michigan native, Lindsay Tarpley. (Members may remember that she attended the 2016 MGA Conference.)

“Dairy makes up the single largest segment of Michigan’s agriculture industry and is an integral part of the state’s economy,” says MDARD Director Gordon Wenk. “Michigan is home to large dairy processors using state-of-the-art technologies to create delicious, value-added dairy products, some of which [were available for sampling at the event]. And, Michigan is second only to Vermont in the number of small non-traditional, artisan, dairy processors. The state is ripe for growth for more dairy processing, large or small, and MDARD is ready to help those companies call Michigan home.”

Milk production at Michigan’s 1,627 dairy farms ranks 6th nationally, with 11.2 billion pounds of milk produced in 2017 (30 million pounds of milk produced per day). Michigan leads the nation in pounds of milk produced per dairy cow, with 26,320 pounds of milk produced per cow in 2017. The total pounds of milk produced in Michigan has increased by 94% since 2000, and the total number of dairy cows has increased by 40% from 304,000 to 426,000 cows.

Michigan businesses offered free samples ranging from cheese and sour cream dips to pizza, butter cookies, milk, and ice cream.

Participating businesses included Association Members Country Fresh Dairy and Prairie Farms Dairy (shown here), as well as KrogerMichigan.

14 Michigan Food News  June 2018

Maturing Organic Sector Sees Steady Growth

U.S. consumers in 2017 filled more of their grocery carts with organic, buying everything from organic produce and organic ice cream to organic fresh juices and organic dried beans, according to the Organic Trade Association’s 2018 Organic Industry Survey.

Organic sales in the U.S. totaled a new record of $49.4 billion in 2017, up 6.4% from 2016 and reflecting new sales of nearly $3.5 billion. The organic food market hit $45.2 billion in sales, also breaking through to a new record for an increase of 6.4%. While the growth rate for organic food sales was impacted by slow growth in the big organic dairy and egg category, it was well above that of the overall food market, which nudged up 1.1%. Organic continued to increase its penetration into the total food market, and now accounts for 5.5% of the food sold in retail channels.

U.S. Organic Food vs. Total Food Sales Organic Food % Growth Total Food % Growth

2015 2016 2017 39,006 42,507 45,209 11.1% 9.0% 6.4% 807,998 812,907 822,160 2.6% 0.6% 1.1%

Organic (as % Total) 4.8%

5.2%

5.5%

June 1-30 Double their winnings. Double your redemption commission.

Watch players have double the fun with DOUBLER DAYS. That's when random Club Keno, Fantasy 5 and Lotto 47 tickets print with a doubler message. Lucky players who ďŹ nd that message on their ticket will double their winnings. And when a player doubles their winnings, you'll double your redemption commission. Tell your customers to play Club Keno, Fantasy 5 and Lotto 47 today!

All Lotto 47 and Fantasy 5 non-jackpot prizes are eligible.

Applies to Club Keno and Kicker prizes only. The Jack and Extra are excluded from the promotion. Club Keno and Kicker prizes will be doubled up to a maximum of $4 million per draw. The Club Keno mark is a registered trademark with IGT Global Solutions Corporation. Overall odds of winning Club Keno are from 1 in 4 to 1 in 17. APPLIES TO FANTASY 5 AND LOTTO 47 RETAIL TICKETS ONLY. All Fantasy 5 and Lotto 47 non-jackpot prizes, including EZmatch prizes, are eligible to be doubled. Jackpot prizes are excluded from the promotion. Overall odds of winning Fantasy 5: 1 in 9. Overall odds of winning Lotto 47: 1 in 47. Overall odds of winning EZmatch: 1 in 5. Knowing your limits is always the best bet. Call the Michigan Problem Gambling Helpline for conďŹ dential help at 1-800-270-7117.

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Jim Gohsman 616-878-8088 | Roger Delemeester 989-245-0337 www.spartannash.com