Enterprise 4Q 2013

GOV. CHRISTIE TO KEYNOTE 77TH ANNUAL WALK TO WASHINGTON AND CONGRESSIONAL DINNER ON FEB. 13  PAGE 6

NEW JERSEY CHAMBER OF COMMERCE

www.njchamber.com

a quarterly focus on the people and the issues that drive New Jersey business 4Q 2013

THE SUPER BOWL IS HERE! HOW FOOTBALL’S BIGGEST EVENT CAN SUPERCHARGE N.J.’S ECONOMY PAGE 10

Also Inside:  Is Christie ‘Too New Jersey’ to Win the White House?  Meet the N.J. Chamber’s Legislators of the Year  Winding Your Way through Obamacare

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table of contents

The Super Bowl is Here (in New Jersey) 10 Football’s Biggest Game Brings a Super Boon of Bucks

from Tailgaters, Beer Gardens, Inner Tubes and Mardi Gras

11 Eight Super Bowl Facts to Impress Your Friends

Focus on:

news 06 Gov. Chris Christie to Keynote the

Walk to Washington and Congressional Dinner

08 MSNBC’s Mika Brzezinski: Gov. Christie

is not ‘Too New Jersey’ to be President

health care and wellness 18 With ‘Cloud Hanging Over Health Delivery,’

N.J.’s Hospitals Alter Business Models

19 Changing the ER and the OR:

08

More Patients Are Seen, Hospitals Get Paid

20 Winding Your Way Through Obamacare features 04 Message from the President

America Needs Good Leaders and We Need Them to Lead

14 Meet the N.J. Chamber’s Legislators of the Year 16 Member Profile: M&T Bank

14

17 Business Leaders to Ninth Graders: Study Hard,

Take Tough Courses, and Skip the Tattoos

22 Newsmakers

06

16

president’s message

BY THOMAS A. BRACKEN

When Leaders Lead The last few years have not been good ones for America’s politicians. High-profile actions like Obamacare and federal budget negotiations have been train wrecks.

Obstructionism repeatedly rears its ugly head. To say Washington is suffering from a severe case of gridlock would be putting it politely. The solution is clear: America needs good leaders, and we need them to lead.

The good news is we live in New Jersey, where we have leaders like Gov. Chris Christie and state Senate President Stephen Sweeney, a powerful Republican and a powerful Democrat who have worked together over the past four years to achieve landmark legislation while politicians in Washington and other states argue instead of act.

Christie and Sweeney use an age-old political recipe to get things done: They butt heads, find common ground and then work to craft legislation that can pass both houses.

As a result of his leadership, Christie is repeatedly mentioned as a leading Republican candidate for president. He has appeared on the covers of national magazines like Time and The New York Times magazine. GQ recently named him “Boss of the Year” and described him as “the most unlikely of pols: a happy warrior.”

Under the energetic leadership of Lt. Gov. Kim Guadagno, the business community is very well served. We have a hands-on business advocate for the first time in many years. The lieutenant governor’s work has been instrumental in enabling the Christie admin4 |

istration’s pro-business initiatives to bear fruit. The result has been significant private-sector job growth.

Sweeney isn’t doing badly either. The Southern New Jersey Democrat, who has proven he isn’t afraid of a bruising battle nor reasonable compromise, was named a “Politician Who’s Ahead of the Curve” by Philadelphia magazine.

He has emerged a strong candidate for governor.

In the past four years, with help from their colleagues in the Assembly and Senate, they have ushered in business tax relief; public employee pension and health benefit reform; teacher tenure reform; a hard property tax increase cap; the merger of Rutgers, Rowan and UMDNJ to create a super research university; and, most recently, the Economic Opportunity Act, which provides incentives to companies that create well-paying jobs.

There is much to be proud of in these accomplishments, and there is still much to do, like continuing the Sandy recovery; securing funding sources for important highway, bridge and mass transportation projects; passing legislation that promotes shared services by municipalities; and continuing

to enact tax relief that will make New Jersey a more competitive business environment.

To best attack these challenges in 2014, New Jersey’s leaders including Christie, Guadagno and Sweeney – along with the Assembly Speaker-elect Vincent Prieto and Assembly Republican Leader Jon Bramnick – must continue to focus on job growth, the state’s most “pressing issue,” according to the Dec. 10 findings of a Monmouth University/Asbury Park Press Poll of New Jersey residents.

Jobs and growth are the panacea to our problems since they will produce the revenue to fund the state’s greatest needs.

As we head into the new year, we have great reason for optimism.

We are led by talented leaders who have the will to get things done.

Also, the ingredients are in place for New Jersey to continue its significant progress as a great place to live and work – while improving our standing in state business competiveness rankings. We in the business community must match that will, and increase our level of leadership in that process. If we work together, there is no limit to where New Jersey can go. ❖

Thomas A. Bracken President and CEO New Jersey Chamber of Commerce

CHAMBER STAFF

Thomas A. Bracken President and CEO

Dana Egreczky Senior Vice President, Workforce Development

Michael Egenton Senior Vice President, Government Relations

Lawrence Krompier Vice President, Member Services

Ray Zardetto Vice President, Communications

Scott Goldstein Communications Manager and Enterprise Editor

Ric Principato Interactive Designer

New Jersey Chamber of Commerce Staff

216 West State Street Trenton, N.J. 08608 Phone: (609) 989-7888 www.njchamber.com

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NJCC Board of Directors Officers Chairman

Ralph Izzo Chairman and CEO Public Service Enterprise Group Inc. First Vice Chair

GROWING. WISELY.

Amy B. Mansue President & CEO Children’s Specialized Hospital © Photo by Moses Cruz Photography

Second Vice Chair

Robert Doherty New Jersey State President Bank of America

If you’ve driven the Garden State Parkway or taken a train to NYC, it’s tough to

Treasurer

the art office in Metropark. But as much as things change, they stay the same.

Howard Cohen, CPA Chairman EisnerAmper LLP Secretary

Robert Podvey Director Podvey Meanor Immediate Past Chair

Jeffrey C. Scheininger President Flexline/U.S. Brass & Copper Corporation

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ENTERPRISE 4Q 2013 | 5

focus on news

The Walk to Washington Turns 77 in February DON’T MISS THE ‘TIME-HONORED EXERCISE IN EXTREME NETWORKING’ The Star-Ledger called it “a time-honored exercise in extreme networking.” The Philadelphia Inquirer said it is “like a power lunch writ large.” And Gov. Chris Christie has said, “The year does not begin until the Chamber dinner in Washington.”

They were all talking about the New Jersey Chamber of Commerce’s Walk to Washington and Congressional Dinner, a New Jersey institution for more than three quarters of a century. Don’t miss the 77th annual “Walk” on Feb. 13 and Feb. 14, 2013.

The event attracts New Jersey leaders in every industry, giving you an opportunity for conversation, visibility and camaraderie that will help your business grow.

The networking begins as the Chamber’s chartered Amtrak train departs Penn Station in Newark and rolls through New Jersey, picking up hundreds of guests along the way.

The trip hits a crescendo when the train reaches the nation’s

Senators Cory Booker and Robert Menendez also will be invited to speak.

The Walk to Washington obtained its name when folks realized that few sit on the train; they literally walk up and down the aisle the whole way to Washington, networking and exchanging business cards.

“I’ve been on this train for many years, and it’s a terrific opportunity to meet the business leaders throughout our community and to become a stakeholder in our state,” said Peter J. Hovnanian, principal of J.S. Hovnanian & Sons.

To register, go to www.njchamber.com. ❖

“THE YEAR DOES NOT BEGIN UNTIL THE CHAMBER DINNER IN WASHINGTON.” – GOV. CHRIS CHRISTIE capital and guests gather at the Marriott Wardman Park for a cocktail reception, the Congressional Dinner, a keynote address by Gov. Chris Christie and a dessert buffet extravaganza that allows the networking to continue into the night.

“Tonight is always a point of marking for the business community of our state,” Christie said at the 2012 dinner. “We gather together to review the last year and to look ahead – at least now – hopefully with promise to what New Jersey’s future can once again be.”

The activities in Washington at the last Walk and Congressional Dinner included a tribute to the heroes of Superstorm Sandy; music by New Jersey artists; and an insightful reporters’ roundtable with some of the state’s top working journalists. Attendees included both U.S. senators, seven congressman, 40 state legislators, 30 reporters and members of the governor’s cabinet. Of course, there were also business leaders, ranging from mom-and-pop proprietors to Fortune 500 CEOs. This year’s Walk to Washington will take place two weeks after the Super Bowl. And it will be the first major business event to follow the November elections in New Jersey. U.S. 6 |

Photos by Russ DeSantis

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Building On Common Ground

focus on news

New Jersey Chamber of Commerce Forum 2013 MSNBC’S MIKA BRZEZINSKI: GOV. CHRISTIE IS NOT ‘TOO NEW JERSEY’ TO BE PRESIDENT

BY SCOTT GOLDSTEIN AND RAY ZARDETTO

Mika Brzezinski, political commentator and co-host of the influential MSNBC talk show “Morning Joe,” was put on the spot during her address to an audience of New Jersey Chamber of Commerce members. She was asked if Gov. Chris Christie would be a serious candidate for president in 2016.

“It’s looking good,” she said. “It’s looking really good.”

Brzezinski, a Democratic voice on the morning talk show she co-hosts with Joe Scarborough, said Christie’s nationwide appeal is clear. His name invariably elicits enthusiastic responses from audience members when the show broadcasts from various cities coast to coast. (Christie is a regular guest on “Morning Joe.”) “He’s popular,” she said. “People know who he is and they like him a lot.”

When an audience member asked whether Christie is “too New Jersey” to win a national election, Brzezinski said the governor’s bluntness is mostly seen as refreshing and honest.

Christie’s polling numbers “are through the roof,” she added. He has a 74 percent national approval rating, while the Republican Party struggles with a 24 percent approval rating.

Why the great numbers? Two reasons, Brzezinski said. He’s getting things done in New Jersey. And he is willing to cross the aisle and compromise – a quality both the GOP and America needs, she said.

Brzezinski was addressing an audience of more than 300 business leaders at the New Jersey Chamber of Commerce Forum 2013 held at the Pines Manor in Edison on Oct. 23. It was the second installment of the annual Forum series which brings national names to New Jersey for an evening designed to inform, entertain and inspire audience members.

D.C. Could Learn from New Jersey The nation’s capital, where Republicans and Democrats have been ensnarled in gridlock, could learn a lesson from the Garden State, Brzezinski said.

“Christie and Democratic leaders of this state figured out how to work together,” she said. “And New Jersey, I think, is better off for it. In my opinion, if Washington ran its business the way Chris ran Trenton, they’d be in a lot better place. And right now we’re in dire straits.”

The dysfunction in Washington can be attributed to a lack of leadership in both parties, Brzezinski added. The federal government shutdown and a “half-baked” temporary agree8 |

MSNBC’s Mika Brzezinski addressed an audience of more than 300 business leaders at the New Jersey Chamber of Commerce Forum 2013, held at the Pines Manor in Edison on Oct. 23.

Mark Bocchieri, director of external affairs, Verizon New Jersey; Ralph Izzo, chairman, president and CEO, PSEG; John C. Leon, senior director, NJ Transit.

ment to re-open suggests “we need some structure in place or residual function that checks Congress.”

“In D.C. you have to find a way to connect, even if you don’t agree,” she added. “And the folks in Washington aren’t doing it.”

Morning Joe’s Early Years “Morning Joe” has become a must-watch show inside the beltway and among the most-watched cable news morning programs since it replaced “Imus in the Morning” in 2007. But success didn’t happen overnight.

“When we started, we thought that if our show was interesting enough for Tim Russert to watch, then we knew we would be producing a great show,” Brzezinski said, referring to the late NBC News Washington Bureau Chief and long-time host of “Meet the Press.”

During the 2008 presidential race – the nascent months of “Morning Joe” – the cast and crew braved a howling blizzard to go on location in Iowa to cover the caucuses. On the morning of their first-ever live broadcast from a local cafe, the wellrespected Russert himself trudged through a foot of snow to

make a surprise appearance, and – to the delight of the show’s cast and crew – stayed on the air with them for hours.

“That’s when we knew our show was validated,” she said.

A special thank-you to M&T Bank, The N.J. Chamber Forum’s presenting sponsor. ❖

Gino Martocci, regional president, M&T Bank, thanks Mika Brzezinski.

Linda Bowden, regional president, Northern New Jersey, PNC Bank; and Robert Podvey, director, Podvey Meanor.

Ralph Izzo, chairman, president and CEO of PSEG; Mika Brzezinski, co-host of “Morning Joe” on MSNBC; and Tom Bracken, president and CEO of the New Jersey Chamber of Commerce.

Howard Cohen, chairman, EisnerAmper; and Kathy Regan, senior vice president, Capital One Bank.

Frederick Alley, Bank of America.

Mika Brzezinski and Carl Lang, M&T Bank.

Scott Goldstein is communications manager and Ray Zardetto is vice president of communications at the New Jersey Chamber of Commerce.

Photos by Russ DeSantis

ENTERPRISE 4Q 2013 | 9

The Super Bowl’s Real Winner:

New Jersey’s ECONOMY The Game Brings a Super Boon of Bucks from Tailgaters, Beer Gardens, Inner Tubes and Mardi Gras

BY SCOTT GOLDSTEIN

Don’t call it a game. It’s not really about sports. This is all business.

We’re talking about the Super Bowl.

Yes, it’s the world’s biggest sporting event. But what makes this football mega-event very special is it will take place right here in New Jersey, at MetLife Stadium in East Rutherford on Feb. 2 – and the National Football League expects it to generate more than a half billion dollars in tourism and entertainment spending.

As host, New Jersey (New York is listed as a co-host) is poised to leverage the Super Bowl into a vehicle that lifts the state economy – and lifts the state’s morale in the wake of events like Superstorm Sandy and the boardwalk fire in Seaside Heights and Seaside Park.

“There’s an economic boost, and that’s measurable, but also I think it’s a psychological boost,” Gov. Chris Christie said earlier this year.

Media members, dignitaries, celebrities and tens of thousands of fans will invade the area, ready to spend money on the game and the week’s worth of festivities leading to it. Millions more will be watching on TV. Advertisers will be looking for exposure. Visitors will be looking for hotels, restaurants, sports bars, limos, shopping and entertainment. There will be tons of corporate pre-game parties that will employ vendors for products and services ranging from barricades, catering and florists to public relations, printing and waste removal.

New Jersey is competing with New York for its share of dollars and attention, but Wayne Hasenbalg, president and CEO of the New Jersey Sports and Exposition Authority, suggested both states will be winners. “There’s a lot of direct spending that happens the week before the game and during the game,” Hasenbalg said earlier this year. “There’s about $550 million generated by the Super Bowl around the game and all the events. New Jersey’s going to do fine.”

New Jersey has the ultimate draw – the game itself.

The first official public event of Super Bowl week – Media Day, featuring players of both participating teams – will be held at the Prudential Center in Newark, on Jan. 28. Thousands of fans pay to attend and hundreds of media members from all over the world come to cover it.

The NFL set aside 4,000 rooms in New Jersey for players, coaches, staffs, owners and others. The Hyatt Regency and Westin hotels in Jersey City will host the two teams. Thousands of other rooms have been booked via hotel brokers and travel agents.

The teams will practice in New Jersey, with the NFC team utilizing the Timex Center in East Rutherford and the AFC using the Atlantic Health Facility at Florham Park. Another mainstay Super Bowl event, the NFL’s Tailgate Party, which is held during the final hours leading up to kickoff, will take place at the Grandstand at the Meadowlands Racetrack next door to the stadium.

The NY/NJ Super Bowl Host Committee’s pregame party will be held in New Jersey, as will the post-game parties for both teams.

New Jersey’s Department of Tourism estimates that about 100,000 visitors will come to the Meadowlands for the Super

Bowl – and many more will come just to experience the carnival atmosphere in the days preceding the game.

Towns nearby have been cooking up plans to attract Super Bowl tourists. In Hackensack, the city’s leaders plan to build a hill for inner-tubing in the center of town – complete with artificial snow. Secaucus is discussing the use of food trucks and a beer garden. East Rutherford may create a mini Mardi Gras in the shadow of the stadium.

Pepsi is paying $1 million to plaster ads on NJ Transit trains, buses and stations in the weeks leading up to the game.

The NFL has reportedly reserved the six sets of double-faced billboards in and around the stadium complex, including two along the New Jersey Turnpike, to be used exclusively by Super Bowl sponsors.

No stone is being left unturned.

So go ahead, call it a game if you want. Discuss who will play or what the weather will be like (cold and possibly snowy, if you believe Farmers’ Almanac).

The only outcome that truly matters is whether New Jersey’s economy significantly benefits from the Super Bowl.

If it does, what a marvelous game it will be. ❖

8 SUPER BOWL FACTS TO IMPRESS YOUR FRIENDS XX The lowest-priced tickets (face value) for the Super Bowl are $500 each, and the most expensive seats are $2,600.

XX In an attempt to ensure fans don’t resell tickets above face value, the National Football League for the first time will require ticket holders to go to a gate to pick up their tickets as they enter the stadium. They won’t be allowed to return to the parking lot.

XX Some of the 30-second commercials during the broadcast of the Super Bowl on FOX are selling for more than $4 million, media buyers have said.

XX More than 108 million Americans watched last year’s Super Bowl on CBS, when the Baltimore Ravens beat the San Francisco 49ers 34-31. It was watched by 46.3 percent of American households.

XX Nine out of the 10 most viewed TV shows in U.S. history are Super Bowls. The series finale of MASH still holds the record for the highest rating with more than 60 percent of TV sets tuned into the show.

XX Sales of big television sets increase right before the Super Bowl, with many stores holding sales the day of the game.

XX Super Bowl Sunday is the second-biggest eating day of the year in the U.S. Thanksgiving is the biggest.

It is estimated that $50 million is spent on food on Super Bowl Sunday and the three days prior to the game.

XX The Monday following the Super Bowl has an increase in employees calling in sick. Many of the complaints include headache, hoarse voice, upset stomach and exhaustion.

ENTERPRISE 4Q 2013 | 11

feature

New Jersey Chamber of Commerce President and CEO Tom Bracken (left) presents state Department of Environmental Protection Commissioner Bob Martin with his award. Each awardee received a crystal sculpture depicting a light bulb in honor of Thomas A. Edison, one of the Chamber’s founding members.

THE N.J. CHAMBER HONORS ITS

LEGISLATORS OF THE YEAR

Christie Cabinet Member and Crusading Attorney also Honored for their Outstanding Economic Growth Work

BY SCOTT GOLDSTEIN The New Jersey Chamber of Commerce honored four legislators, a member of Gov. Chris Christie’s cabinet and a tireless Newark attorney – all of whom have gone above and beyond to help recharge New Jersey’s business climate – at a reception in Southern New Jersey on Oct. 9.

The event, held at the Wyndham in Mount Laurel, attracted 150 guests – including members of both parties – many of whom said it is time for the parties to put politics aside and pave the way for more economic development and jobs in the Garden State.

“The best social program is a job and business creates jobs,” said Assemblyman John Burzichelli, an award recipient and a self-described “pro-business Democrat.”

“We in the Legislature get it,” Burzichelli added.“The governor gets it. And we want to do better. With the help of the New Jersey Chamber, we are doing better.”

Republican Sen. Anthony Bucco, another honoree, said he is careful to fight proposed legislation that makes it harder to do business in New Jersey. “I’m cognizant of bills that hurt businesses,” he said. “We want to make sure businesses stay here and grow here.”

The four winners of the Legislative Awards were: XX Sen. Fred H. Madden Jr. (D-4, Camden and Gloucester counties) XX Sen. Anthony R. Bucco (R-25, Morris and Somerset counties)

Assemblyman John Burzichelli said, “The best social program is a job and business creates jobs.”

Photos by Russ DeSantis

XX Assemblyman John J. Burzichelli (D-3, Cumberland, Gloucester, and Salem counties) XX Assemblyman David P. Rible (R-30, Monmouth and Ocean counties) The two winners of the State Chamber’s Business Advocacy Awards were: XX Ted Zangari, Business Attorney, Sills Cummis & Gross XX Bob Martin, Commissioner, state Department of Environmental Protection The award winners were presented with crystal etchings depicting a light bulb in honor of Thomas A. Edison, one of the Chamber’s founding members, and to commemorate the

innovative spirit in New Jersey.

We have no choice but to grow the economy, said Zangari. “If we don’t grow the economy, I might as well be studying for the board in Pennsylvania,” Zangari said.

Zangari praised Christie and the Legislature for the progress they are making to improve the economy, including recently passing landmark legislation to expand incentives for companies that invest in New Jersey and create new jobs. “Reasonable people can disagree about the extent of New Jersey’s comeback,” Zangari said. “There is a lot of work yet to do.

But one thing is very clear. The comeback has begun.” continued on page 14 ENTERPRISE 4Q 2013 | 13

N.J. CHAMBER HONORS LEGISLATORS continued from page 13

The winners of the New Jersey Chamber of Commerce Legislative and Business Awards are (back row, from left) Sen. Fred Madden, Assemblyman David Rible, Assemblyman John Burzichelli and DEP Commissioner Bob Martin. Seated in front are Ted Zangari (left) and Sen. Anthony Bucco.

From left, Assemblyman David Rible, New Jersey Chamber of Commerce Senior Vice President of Government Affairs Michael Egenton and Sen. Fred Madden. Both legislators were honored.

MEET THE AWARD WINNERS LEGISLATIVE AWARD WINNERS

Sen. Fred H. Madden Jr.

D-4, Camden and Gloucester counties Madden championed the suspension of a surcharge on employers to fill the state unemployment fund. That bill, signed into law in June, is saving employers about $300 million in the current budget. Madden was the primary sponsor of the New Jersey Angel Investor Tax Credit Law; he has worked with the Chamber and its concerns on “Ban the Box” legislation, which seeks to limit an employer’s ability to ask job applicants about criminal background; and he has tackled government reform by sponsoring a resolution calling for legislators and their family members to disclose public employment and government contracts.

Sen. Anthony R. Bucco

R-25, Morris and Somerset counties As the owner of an adhesive manufacturing company, Bucco consistently raises concerns regarding the effect pending legislation has on employers.

He sponsored a bill that exempts sales and use tax on software services; he was the secondary sponsor of the current state budget, which contains major business tax reforms; and he sponsored legislation that addresses unemployment claims fraud and a bill that creates a tax credit for manufacturers that expand.

14 |

Assemblyman John J. Burzichelli

D-3, Cumberland, Gloucester and Salem counties Burzichelli has worked on a bipartisan basis to root out duplicitous and onerous state regulations. He was the prime architect of a law (A-1543) that streamlined regulations for creating and operating Limited Liability Companies (LLCs); he sponsored a bill (A-3321) that makes the rulemaking process more accessible and transparent; and he sponsored A-3323, which expedites the departmental permit process, allowing for more timely decisions.

Assemblyman David P. Rible

R-30, Monmouth and Ocean counties Rible is a co-sponsor of the Economic Opportunity Act of 2013, which expands the number of companies eligible for job growth incentives; he co-sponsored a bill to continue the law that extends the life of state permits; and he was a cosponsor of legislation that eliminates the Sales and Use tax on software services.

Rible conducts regular business roundtable sessions open to people inside and outside his district. Rible has been a passionate advocate for businesses and residents effected by Superstorm Sandy.

BUSINESS ADVOCATE AWARD WINNERS

Ted Zangari

Attorney, Sills Cummis & Gross Zangari, a member of the N.J. Cham-

ber’s board of directors, has devoted many hours to crafting, advocating and providing valuable input regarding the New Jersey Economic Opportunity Act of 2013, which expands the number of companies eligible for state job growth incentives. His work was rewarded when that landmark legislation was passed by the Legislature and signed by the governor in September. He established the Smart Growth Economic Development Coalition of over 25 trade associations charged with finding solutions to the state’s out-migration of jobs and residents, and to address the state’s need for smart growth.

Commissioner Bob Martin

N.J. Department of Environmental Protection Martin and his staff have worked towards transforming the DEP into a more efficient and customer service-oriented agency. During his tenure, the DEP’s Licensed Site Remediation Program (LSRP) has been established, reducing the number of contaminated sites in New Jersey and bringing idle properties into productive use. Two major regulatory proposals – the Waiver Rule and the Public Access Rule – were implemented.

Through Martin’s leadership, the DEP has played a significant role in the state’s post-Sandy efforts, including overseeing the removal of debris, restoring water systems and wastewater plants, and rebuilding beaches and boardwalks. ❖

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Member Profile

With a Community Banking Model, M&T Bank is Expanding in the Garden State Since opening its first New Jersey commercial banking office in Saddle Brook in 2007, M&T Bank has helped finance all kinds of enterprises in Northern New Jersey, ranging from commercial real estate to small businesses to middle market companies.

M&T is now expanding in the Garden State, with a new commercial banking office in Princeton and more offices planned.

“We’re actively looking to finance projects in New Jersey to help businesses grow,” said Paula Mandell, a 40-year banking industry executive who serves as M&T Bank regional president in New Jersey. “We’ve built a great team of experienced New Jersey bankers. They know their communities and they know the industries that are growing and creating jobs. It’s our job to finance those projects.”

Established in Buffalo in 1856, M&T has a track record of Main Street banking success. It is one of only two U.S. commercial banks in the S&P 500 to remain profitable throughout the financial crisis and never cut its shareholder dividend.

Long-tenured management has been a hallmark of M&T, having been led since 1983 by Chairman and CEO Robert G. Wilmers. The company’s top

M&T Business Banking and Commercial Banking Leadership Team in New Jersey (from left), Beth McCarter, business banking regional manager , Central New Jersey; Trevor Garner, business banking market manager; Paula Mandell, commercial bank regional president; and Eleni Monios, business banking regional manager, Northern New Jersey.

of the company.

M&T uses a community banking model, with most operational decisions made by a “community banking team” of managers who live and work in the local market. Local contribution committees guide M&T’s philanthropic work, including more than $20 million in donations last year in communities it serves. Bank employees are encouraged to join local boards and volunteer in their areas of interest.

M&T BANK IS ONE OF ONLY TWO U.S. COMMERCIAL BANKS IN THE S&P 500 TO REMAIN PROFITABLE THROUGHOUT THE FINANCIAL CRISIS AND NEVER CUT ITS SHAREHOLDER DIVIDEND. 14 managers have an average tenure of more than 23 years with the bank.

Among M&T’s many long-tenured investors is Warren Buffett’s Berkshire Hathaway, which owns about 4 percent 16 |

M&T began providing philanthropic support to Newark’s TEAM Charter Schools in 2010, after recognizing the school’s potential to improve education for students. As the relationship

grew, M&T helped finance a $15.7 million new high school for TEAM. One of M&T’s historic core strengths is in small business banking. While ranking as the nation’s 16th largest commercial bank, M&T is the sixth largest issuer of loans through the U.S. Small Business Administration’s primary loan program and is the leading small business lender in most of its markets.

“We focus on matching small businesses with the right loans and cash management products to manage their business,” said Trevor Garner, administrative vice president for business banking in New Jersey. “And our relationship managers are expected to call on their customers regularly to act as trusted advisers.”

This Main Street banking approach, based on locally involved employees and unique expertise in both small business banking and wealth management, will be central to M&T’s approach as it helps New Jersey businesses grow. ❖

feature

Business Leaders to Ninth Graders: STUDY HARD, TAKE TOUGH COURSES, AND SKIP THE TATTOOS

BY DANA EGRECZKY For years, the New Jersey Chamber of Commerce Foundation has gone directly into middle schools and high schools to deliver a tough but honest message about what students need to do now to succeed, in college and in the real world.

The recipe: Take rigorous courses, do homework, get good grades, maintain a can-do attitude, and don’t do anything that could derail your opportunities in corporate America, like getting visible tattoos. This message is reinforced by teachers through the foundation’s award-winning curriculum, “LearnDoEarn” (Learn Now, Do Now, Earn Later).

This year, the New Jersey Chamber of Commerce Foundation has introduced a new program that gets business executives

in the schools to deliver wake-up calls and encouragement to students in ninth-grade assemblies. The executive speaks at a high school of his or her choice – perhaps his or her own alma mater. Chamber Foundation staff members contact the school, arrange the assembly, issue media alerts and acknowledge the business leader’s participation.

Already, more than 4,000 high school freshmen across the state have heard from business leaders, thanks to support from companies like Capital One,Verizon, Public Service Enterprise Group (PSEG), and Phillips 66 Bayway Refinery.

David Erfert, manager at Phillips 66 Bayway Refinery, said the program has given his company the opportunity “to

talk to kids about careers in science and technology.”

It is powerful for students to hear how to succeed directly from accomplished business leaders – in addition to the message all year long from teachers and principals. The goal is to get students more career-minded so they can succeed, and help maintain the state’s high-skilled workforce.

It’s a win-win for students and employers. Ralph Izzo, president, CEO and chairman of PSEG, said“The foundation’s work in local schools gives our business community a much better chance of finding the workforce we need.”

To participate in the program, call Patty Cullinane at (908) 832-5214 or email her at patty@njchamber.com. ❖

The Smith family-owned ACE Hardware store in Egg Harbor Township, NJ

WE HELP NEW JERSEY GROW MORE THAN JUST ITS To find out how the NJEDA can connect you with the financing you need, call 609-858-6700 today or visit us online at businesslending.NJEDA.com.

The New Jersey Economic Development Authority, the state’s bank, supports small- and medium-sized businesses with access to financing and incentives they need to reach their goals. The NJEDA has lending resources designed to grow your business in the Garden State. Let us help you succeed, just like the Smith family. © 2012 New Jersey Economic Development Authority.

ENTERPRISE 4Q 2013 | 17

focus on health care and wellness

With ‘Cloud Hanging Over Health Delivery,’ N.J.’s Hospitals Alter Business Models on the Fly

BY DIANA LASSETER DRAKE

Call it what you will – the Patient Protection and Affordable Care Act, the Affordable Care Act or Obamacare – but it is hard to escape news of the health care reform act that became federal law in 2010. Some 1 million New Jerseyans are eligible for either Medicaid or health insurance on the new federal exchanges set up through the law. Enrollment began Oct. 1 for coverage that begins Jan. 1, 2014.

Hospitals are at the center of the firestorm, as the shifts of health care reform threaten key tenets of their business model. To get the law passed, the industry voluntarily made a deal to cut Medicare reimbursements by $178 billion over 10 years, in return for expanding the number of people who would be covered by insurance. Hospitals across the country, such as the world-re-

nowned Cleveland Clinic in Cleveland, Ohio, report cost-cutting measures and layoffs in part due to decreased revenues from reimbursement cuts.

The 111 New Jersey hospitals are finding ways to deal with the new reality. In September, layoffs were announced by West Orange-based Barnabas Health, the state’s second-largest private employer with 11 hospitals

and 19,000 employees. But CEO Barry Ostrowsky says the Affordable Care Act is not the sole reason.

“It’s politically convenient to say that it is health reform that’s making me lay off people. That’s not perfectly accurate,” says Ostrowsky. “The real comprehensive answer is that lower demand for in-patient care, the negotiated deal with the Medicare program to reduce reimbursement and [federal budget] sequestration [cuts] have generated the dynamic to reduce costs.

In New Jersey, costs needed to come down.”

Indeed, many of the state’s hospital systems have been doing cost analyses and implementing new programs for the past few years.

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“We’ve always said that regardless of the outcome of health reform, Meridian Health is moving forward with the changes we feel are necessary to make,” Gary S. Horan notes Michael McCauley, director of corporate communications for Meridian Health in Neptune. Programs like Meridian Healthy Advantage and alliances with other health systems are “integrating patient care while reducing costs and increasing quality.”

Trinitas Regional Medical Center is opening a new ambulatory surgery center in February. Even so, it can’t fully prepare for a health care system

overhaul that is still plagued by uncertainty.

“We’re looking at our expenses very carefully, our staffing, how we can do things differently and lookRobert Wise ing at the supplies and expenses at the hospital to see where we can do some value analysis to get better pricing,” says Gary S. Horan, CEO of Trinitas. “A lot of patients are coming in with very high deductible insurances.

For hospitals, that usually translates to an increase in bad debts.” Horan anticipates hospitals picking up the slack for patients who can’t find physicians willing to accept the newly insured due

to lower insurance reimbursements.

Hunterdon Healthcare System in Flemington has seen fewer patients using its outpatient services over the past year, says CEO Robert Wise.

“More than anything, the Affordable Care Act is changing the relationships among those delivering, receiving and paying for health care,” notes Wise.

“This vague rollout of a dramatically new and nationally applied health plan is creating so much anxiety in those relationships that it is difficult for hospitals to prepare budgets for the next year or two. A cloud is hanging over the health delivery system and the insurance payment system.

Whether it clears or whether the issues continue to rain down on us can only be seen by those who are daring to predict the future.” ❖

CHANGING THE ER AND THE OR: MORE PATIENTS ARE SEEN, HOSPITALS GET PAID Reduced wait times and shorter hospital stays for patients. Reduced operating costs and increased revenues for hospitals. Those are among the happy results of a 15-month reform initiative, funded through the Affordable Care Act,

by New Jersey hospitals and the Bostonbased Institute for Healthcare Optimization.

The 14 hospitals that participated in the initiative put into place patient flow and work flow reforms in their operating rooms and emergency departments that yielded real results. Over a one-year period, the reforms are projected to: XX Increase from 11,800 to 17,300 the number of patients that can be treated without adding inpatient beds or operating rooms.

XX Increase by roughly 20,000 the number of patients that can be accommodated in hospital emergency departments per year.

XX Reduce wait times for emergency department patients to be admitted to a hospital bed by 21 percent to 85 percent.

XX Reduce the length of hospital stays for certain groups of patients from 3 percent to 47 percent.

“The results are consistent with the goals of the Affordable Care Act – to reduce health care costs through improved efficiency,” said NJHA President and CEO Betsy Ryan. “But each of those efficiency standards also yield important results in improved quality and safety for patients.”

Added Aline Holmes, director of the NJHA Institute for Quality and Patient Safety, “Patients in these hospitals can expect shorter waits for emergency admissions, faster transfer to an inpatient bed or specialty unit and smoother recoveries that see them discharged sooner.”

The 15-month reform initiative was led by Eugene Litvak, president and CEO of the Institute for Healthcare Optimization, an expert in solving health care bottlenecks. His research has discovered certain peaks and valleys in the daily operations of hospitals, especially in operating rooms and emergency de-

partments. Left unaddressed, those ups and downs can lead to longer waits for care for patients; increased costs for hospitals from staff overtime; and missed opportunities for added revenue by providing more procedures.

Litvak says the success of the New Jersey hospitals participating in the study can provide a health care delivery model for the rest of the nation.

New Jersey hospitals that participated in the study: CentraState Medical Center, Cooper University Hospital, HackensackUMC Mountainside, Inspira Health Network Woodbury, Jersey Shore University Medical Center, Monmouth Medical Center, Morristown Medical Center, Newark Beth Israel Medical Center, Ocean Medical Center, Overlook Medical Center, Robert Wood Johnson University Hospital, St. Joseph’s Regional Medical Center, University Hospital and The Valley Hospital.

ENTERPRISE 4Q 2013 | 19

focus on health care and wellness

Winding Your Way Through Obamacare

BY ALICIA BROOKS WALTMAN

There’s no doubt you know by now that the Affordable Care Act, or Obamacare, is complicating an already byzantine process for employers – the dreaded health insurance shopping season.

The requirement that companies with more than 50 full-time employees offer affordable health insurance or pay a penalty has been put off until 2015.

(After that, employers who choose not to do so will face a $2,000 fine per employee, with their Chris Lepre first 30 employees exempted.)

However, the individual mandate requires almost everyone to have insurance come this Jan. 1. Enterprise asked some New Jersey insurance experts to offer adRyan Petrizzi vice.

“It is the law of the land, and we are going to make it work,” said Christopher M. Lepre, senior vice president of the Market Business Unit of Horizon Wardell Sanders Blue Cross Blue Shield of N.J., which insures 3.7 million members in New Jersey.

A major change is coming in 2014; most health insurance plans must offer coverage of 10 essential health benefits (see box). These include plans bought 20 |

through the healthcare exchange and those sold directly by brokers or insurers.

Ryan Petrizzi, director of sales operations and small markets at AmeriHealth New Jersey, said this requirement will increase consistency among policies and establish a minimum level of coverage, but could result in higher premiums.

Wardell Sanders, president of the N.J. Association of Health Plans, said Obamacare’s effect on premiums will vary.

For example, the ACA outlaws charging higher premiums to young women than to men, a practice that occurred in New Jersey, based on the premise that young women use more health care services than young males. For such reasons, premiums will vary depending on the demographics of companies and other factors, said Sanders.

Another change is that health care must be deemed “affordable” for employees, meaning that their share of yearly premiums must not exceed 9.5 percent of their household income. Tax credits will also be available for companies with 25 employees or less who choose to offer them insurance, if their employees make an average of $50,000 a year or less. And these changes are just the tip of the iceberg.

“Education for the small business owners is key,” said Petrizzi, who pointed to a “Guide for Small Business Owners” available on AmeriHealth’s website under “Health Care Reform.”

R.J. Ertlmaier, owner of Veira Medical Group in Toms River, a company that secures purchasing contracts for drugs, equipment and other supplies for practicing medical groups, said his clients, particularly one- and two-doctor practices, are delaying the purchase of new, expensive technology due to Obamacare, and some are selling their practices to big hospital chains because of rising costs.

The ACA attempts to control costs by increasing competition between insurers, taxing high-priced plans, aiming to con-

trol the growth of Medicare costs, promoting preventative care, and other measures.

But experts disagree on its effectiveness.

Insurers are engaging in cost-cutting measures. AmeriHealth New Jersey has formed a partnership with Cooper University Hospital in Camden; AmeriHealth members pay less when they go there for care.

Horizon BCBSNJ is rolling out a program that includes patient care coordinators, usually nurses, who follow up with patients to make sure they are following their health plan, taking their medications and that there is communication between doctors involved in their care.

In the meantime, even experts struggle to keep up.

“It’s always hard, year over year, to see how the healthcare market is performing and how changes in policy and law are affecting that,” said Sanders.“There are just a lot of moving parts.” ❖

OBAMACARE’S MUST-COVER LIST Ten services that the ACA requires be covered in health care plans: • Ambulatory patient services • Emergency services • Hospitalization • Maternity and newborn care • Mental health and substance use services • Prescription drugs • Rehabilitation services and devices • Lab services • Preventive and wellness services and chronic disease management • Pediatric services, including oral and vision The services must be covered, but there may be deductibles, co-pays and other charges, depending on the plan purchased.

EXTREME ENERGY SOLUTIONS IS MAKING IT IN NEW JERSEY Extreme Energy Solutions Inc. is a developer and manufacturer in the Sussex County town of Ogdensburg, that makes products designed to help cars and trucks run cleaner and more efficiently. Samuel K. Burlum, CEO, president and chairman of Extreme, says the company markets its “flagship product,” the SMART Emissions Reducer, to entities with large vehicle fleets and, more recently, to car and truck manufacturers. In this Q&A, Burlum discusses being a manufacturer in New Jersey, a New Jersey patriot and a member of the New Jersey Chamber of Commerce.

Q: Tell me a little about what Extreme Energy Solutions, Inc. does?

A: The company was founded in 2008 as a third-party research consulting firm, and, in 2010, it transitioned into providing its own products and services. The company currently has projects around the world including Canada and Saudi Arabia, and reps in China, Jordan, Oman, and India. We are a developer, manufacturer, distributor, seller and servicer of green technology innovation for the transportation sector, and other products for commercial and industrial use. Our flagship product is the SMART Emissions Reducer.

Q: Who are some of your biggest clients?

A: Our largest U.S. clients include Utz Quality Foods (Utz Potato Chips); Winnebago County (Illinois) Highway Department, City of Rockford (Illinois), and we have begun negotiations with engine-vehicle manufacturers to make the SMART Emissions Reducer standard in new vehicles.

Q: What has been behind the company’s success?

A: Our ability to embrace the lessons learned from great innovators like Thomas Edison, Henry Ford, Lee Iacocca,

Preston Tucker and Steve Jobs. We employ strict fiscal discipline based on delayed gratification, and we hold our leadership and staff accountable for results. We never forget the investors and shareholders who took initial risk in the vision of the company. We believe in our goods being “Made in the USA” – and many of our goods are made right here in the Garden State. If we are not serving our community and home state, then getting to the destination becomes a journey without pride or purpose. We believe in “Liberty and Prosperity,” the motto stated on the New Jersey state flag. This model has allowed us to contribute to job creation in New Jersey.

Q: How has being a member of the New Jersey Chamber helped your company?

A: Our ability to expand overseas began with connections and relationships we established with other New Jersey Chamber members. Many of the local and state businesses that we trust to deliver material to our specifications are fellow New Jersey Chamber of Commerce members.

Q: Why is New Jersey a good location for Extreme Energy Solutions?

A: New Jersey gets a stereotypical bad rap. What most people forget is that New Jersey is located between Washington and Boston, a major corridor for transport, as well as a hub for media, politics, and capital. With almost 100 million people located in that corridor, our company has access to many potential clients within a day’s drive. Also, as a growing exporter, Port Newark and Port Elizabeth, and Liberty-Newark Airport play a large role in our logistics planning and in accommodating our out of town guests.

Q: What’s next for the company?

A: We are advocating for a federal tax credit to help accelerate the adoption of our flagship product. Such a jumpstart will also stimulate job growth. We are also focused on partnerships in countries with public policy challenges stemming from harmful emissions and energy consumption.

And we have additional product launches in the works.

PAID ADVERTISEMENT ENTERPRISE 4Q 2013 | 21

news makers

Lucia DiNapoli Gibbons has been appointed the head of WELLS FARGO’s business banking team for the bank’s Eastern Region.

In this newly created role, Gibbons is responsible for leading the growth strategy for the bank’s business banking segment.

Lucia DiNapoli Gibbons

PUBLIC SERVICE ELECTRIC & GAS COMPANY (PSE&G) moved into a new Customer service center in Jersey City. The more than 4,400 square foot facility, located at 35 Journal Square, replaces the former customer service center at 3 Path Plaza.

JERSEY CENTRAL POWER & LIGHT (JCP&L) executives recently presented a $58,500 grant from the FirstEnergy Foundation to UNITED WAY OF NORTHERN NEW JERSEY. NJTV, New Jersey’s public television network, re-launched its current weeknight news program, NJ Today with Mike Schneider, as NJTV News with Mike Schneider, touting it as a more vibrant local news program offering more stories from across the state and a revitalized, more user-friendly web presence.

SCARINCI HOLLENBECK earned the New Media Award’s Best in Industry award for its Constitutional Law Reporter website, a legal resource for students, law schools, and academics who are interested in Constitutional law.

CHILDREN’S SPECIALIZED HOSPITAL FOUNDATION celebrated the 26th anniversary of its annual Umbrella Gala in Jersey City. The gala helped raise a record-setting $260,000 to support the expansion of the PSE&G Children’s Specialized Hospital in New Brunswick.

INVESTORS BANK named Suzanne E. Andrews the vice president and general counsel of the Short Hills-based bank.

Becker’s Hospital Review has named Barry H. Ostrowsky, president and CEO of BARNABAS HEALTH, as one of its “300 Hospital & Health

22 |

System Leaders to Know for 2013.”

ARCHER PUBLIC AFFAIRS LLC, a new governmental and external relations firm, was created by ARCHER & GREINER P.C., one of the region’s largest law firms. In other Archer & Greiner news, Natalie D’Amora, David F. Edelstein and David A. Schneider have been promoted to partner.

Alfred C. Koeppe, the CEO of the NEWARK ALLIANCE, received the Steven J. Diner Ethical Leadership Award from the RUTGERS INSTITUTE FOR ETHICAL LEADERSHIP for his long-term commitment to strengthening civil society.

The NEW JERSEY HOSPITAL ASSOCIATION received a $1.8 million grant from NEW JERSEY HEALTH INITIATIVES, a local funding arm of the ROBERT WOOD JOHNSON FOUNDATION, to hire 25 former U.S. servicemen and women and train them to assist consumers who are exploring new insurance options under the Affordable Care Act. LASSUS WHERLEY received the Women’s Choice Award for Financial Advisors, presented

by WomenCertified, an advocacy group for female consumers.

Retired Judge Jack L. Lintner a member of the Bridgewater-based law firm NORRIS MCLAUGHLIN & MARCUS, P.A., received the 2013 Trial Attorneys of New Jersey Professional Lawyer of the Year Award from the New Jersey Commission on Professionalism in the Law. SUN BANK has launched SunMobile Deposit, a service that enables online consumers to quickly and securely deposit a check from anyone into a Sun checking account by taking photos of the back and front of the check.

The BUILDING CONTRACTORS ASSOCIATION OF NEW JERSEY and ASSOCIATED GENERAL CONTRACTORS OF NEW JERSEY merged into a single organization, and will now be called the ASSOCIATED CONSTRUCTION CONTRACTORS OF NEW JERSEY. It is the only organization representing both building and highway contractors in the commercial and public sectors. ❖

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