W2O: Finding Success Through a Service-Based, Customer-First Approach

By Elizabeth Landry

When Dereck Withey ventured out to start W2O Pump & System Services in 2015, the decision was made with his family in mind.

“I had been working as a regional service manager for Wilo, a pump manufacturer, since 2012, doing most of the troubleshooting across the US. My daughter was born in 2014 and at the time I was on average about 25 days away from home every month. You can’t be a part of your family’s lives when you’re not there. It was time for a change,” Withey explained.

Today, almost 10 years later, Withey is the owner of the successful W2O business located in Cortland, NY, a family-owned pump and system services company that specializes in the operation and maintenance of water and wastewater treatment plants along with collection and distribution systems. He shares part ownership with his sister, Jenae Withey, and the company was created as a division of W2Operator Training Group, a retirement business that Withey’s parents, Douglas and Marian, created in 2005. W2Operator Training Group offers initial certification and recertification for every grade of water license, as well as additional training based on customer requests.

Withey grew up around the water treatment industry. His father spent about 30 years with the City of Cortland Water Department, ending his career as the Superintendent. With almost 18 years of experience working in various aspects of the industry, Withey has built W2O to be a one-stop shop for everything related to service and maintenance of pumping equipment, while remaining true to his focus on family and doing what’s best for his team.

“The motivation behind our day-to-day efforts is ultimately our team,” said Withey. “Most of us come from big corporations where you put in long hours but at the end of the day, you’re a number. With W2O, we decided we wanted to do things differently, where your co-workers and your employees truly matter. With that in mind, we have a lot of flexibility and we’re very supportive of our employees and their families.”

Service First, Sales Later

Alongside the focus on family and flexibility, W2O’s business model emphasizes service-based sales, in which the main offering is maintenance and repair work, and the actual sale of equipment follows later. Withey explained how this style of business is somewhat unique in the industry and stands out from other businesses in the water treatment and pump space.

“Most other companies in the industry are sales companies that have a service department. They typically have exclusive contracts for sales from numerous manufacturers within a given territory,” Withey explained. “We approach things differently, understanding that customers may prefer one brand versus another, and we want to service and maintain their equipment no matter the manufacturer. We offer service on all manufacturers and types of pumps, including preventive maintenance, repair, and installation. We’re the distributor as well as an installing contractor, and we offer turnkey proposals on projects where we’re involved from beginning to end.”

This service-based approach makes W2O a true one-stop shop for all their customers’ various needs. Jeff Kruger, Superintendent of Water and Sewer for the City of Binghamton, described how W2O’s service-first, yet all-encompassing offerings make the company stand out from the rest.

“It’s quite easy to choose a company that’s getting everything done, working above and beyond. Dereck and his team have been an amazing resource – he’s been my first call for the past four or five years and he hasn’t let me down yet. The service, sales and installation being out of the same shop is a bit different from other places. With W2O you get everything from start to finish. It really makes the business unique,” stated Kruger.

Solving Problems Reliably and Efficiently

W2O’s service-based sales approach includes an emphasis on troubleshooting, preventive maintenance and guaranteeing that their work will continue to perform over the long term for customers. All the company’s repairs are warrantied for 12 months from the date of invoice, and sometimes that warranty has been extended to 18 months.  Withey explained how the team’s deep knowledge of how pumps and water systems operate allows them to deliver high-quality work for their customers.

“We stand behind our work. If we have a pump go in and it fails at 18 months and we can’t figure out why it failed, we’ll typically cover it. We have a very good knowledge of installation standards, the hydraulics and the electrical end of the pumps and the pump and system process overall. When issues arise, we can do a full evaluation of every part of the system in detail to find out what’s causing the failure and then come up with the best way to fix it,” said Withey.

W2O provides service and preventive maintenance for customers of various sizes, from large cities and municipalities to small villages and towns, and their customer base extends throughout New York State and Pennsylvania and into New England. One of W2O’s preventive maintenance contracts is with the Village of Marcellus Wastewater Treatment Plant. Even though it’s one of the company’s smaller customers, Greg Chrysler, Department of Public Works Supervisor for the Village of Marcellus, said they’ve received consistent reliability from Withey and his team.

“Probably the number one reason we do preventive maintenance with W2O is they’re always right there and on time when we have a problem,” Chrysler said. “That’s huge for a wastewater treatment plant because everything needs to run 24/7 and when something breaks, we need a quick response. The team at W2O is very efficient and we don’t have to worry about whether the job is done right or wrong – it’s always done right. Even though we’re a smaller customer for them, we still get the same quality and efficiency they offer their larger customers.”

Focusing on Customers’ Needs

Working with customers of all sizes means W2O provides service plans and contracts ranging from one pump all the way up to several municipalities. As Withey explains, “There’s no ‘cookie cutter’ or ‘take it or leave it’ approach with us. Everything we do is centered on what the customer wants and what’s in the customer’s best interests.”

W2O’s customized service offerings go hand-in-hand with a reputation for honesty and integrity that often also benefits customers financially. Withey described a project in which W2O consulted with engineers during a wastewater treatment plant upgrade at the Village of Moravia, in which several pieces of equipment were failing and wouldn’t last until construction on the upgrade was planned to begin.

“We worked with the engineers to make sure the equipment used for the urgent repair could be repurposed for the future upgrade as well, so they only had to spend the money once,” Withey said. “Through the process, we also found an engineer had made a mistake, but we caught it on the front-end, helped them fix it right away and ultimately saved them money down the line. With every project, our main goal is to provide the best service possible at a fair price.”

Another project Withey and his team completed was a pump replacement for YAWS Environmental at the Cayuga Heights Wastewater Treatment Facility in Ithaca. Three of the facility’s pumps that distribute to the trickling filters had either failed or were failing, and by leaning on a relationship Withey had developed with Wilo Pumps, he discovered the best solution for the specific needs of the facility.

“We had reached out to Wilo about a different style of pump we initially thought would be best, but through the conversation we found they had been developing a brand-new style of pump that turned out to be a great application for this project. Wilo Germany agreed to let us bring the pumps in and install them here in the US for the first time. It’s been a tremendous success,” Withey explained.

Mike Albro, Lead Operator for YAWS Environmental, emphasized how Withey and the team at W2O continue to provide honesty and cost-savings as they focus on how to best meet their customers’ needs.

“Dereck genuinely cares about his work and the people he’s doing the work for,” said Albro. “If he can ever help anyone out by giving them a break or saving them some costs, he’s always looking to do that, and so honesty is a big factor. If he feels like something isn’t going to work right or if there’s a better way to go about a situation, even if it’s through another company, he’ll be honest and tell you the truth. He’s just a stand-up individual. I’ve enjoyed working with him very much.”

Plans for Future Growth and Expansion

With Withey leading the way and developing an honest business strategy that delivers value for customers time after time, W2O has seen consistent growth since its inception. In almost 10 years of business, the team has grown to include five employees, completing between 200 and 240 projects per year and driving revenue growth by nearly $1 million over the last year. For Withey, these accomplishments fuel his drive for even more expansion in the coming years.

“The thing I’m most proud of is how everyone on the team has come together and how much the company has grown in a short period of time. We’re now in the planning phases of a very large expansion of our repair shop – we currently operate out of a 3,000-square-foot building and we’ll be adding 13,000 additional square feet. We’re also going to expand the services we offer, getting into some light manufacturing and taking the leap into engineered sales, and we’ll be expanding our service fleet from two to four service body crane trucks. I hope to double our staff by 2026 and then expand the training side of the business, as well, within the next five years.”

Although the business continues to grow, it appears the focus on meeting customers’ needs first will remain at the center for W2O, as emphasized by the company’s customers themselves.

“We’ve been with W2O for several years and they’ve grown a lot as a business – they’re offering many more services and products. But Dereck has made sure he has enough great people on the team to continue that quality of work and reliability we need to keep things running smoothly. As the business is getting bigger, he’s not forgetting about the needs of customers when something breaks – it’s the same level of service as when they were a smaller company,” said Chrysler.

It’s a sentiment echoed by Albro, as well: “I believe they’re going to go very far. The quality of work is nothing less than the highest expectation. With Dereck and his team, the relationships they develop with customers are personal – it’s not always about business. I believe that’s going to go a long way for the company as they continue to expand in the future.”

www.W2Pump.com

2024 Laws That Businesses Need To Comply With

Diana Plue, Esq., Sheats & Bailey, PLLC

Every year New York State passes new regulations and laws that impact how you do business. This past year was no different. Below is a summary of new laws and regulations that Employers must comply with or risk potential fines. 

  1. Effective January 1, 2024, small businesses will be required to file Beneficial Ownership Information (BOI) Reports with the US Department of Treasury, disclosing the company’s ownership information. Failure to file a BOI report can result in hefty fines of up to $10,000.00 per violation and prison time. The deadline for filing depends on when the company was formed. Companies formed before January 1, 2024, must file their BOI report by December 31, 2024. Companies formed after January 1, 2024, must file a BOI report within 90 calendar days from the formation date to comply.
  2. Effective February 15, 2024, the statute of limitations to file a claim with the Division of Human Rights for claims involving any type of unlawful discriminatory practices (race, sex, gender, age, disability, etc.), is extended from one year to three years.
  3. Effective March 12, 2024, employers are prohibited from requesting or requiring access to worker’s social media information and accounts. Employers cannot require an employee to disclose their social media accounts username and passwords.
  4. Effective March 13, 2024, executive, administrative and professional employees making $1300.00 or less per week will no longer be confined to commencing a civil action in court to recover owed wages but may now bring an action with the Department of Labor to recover owed wages.
  5. Effective June 19, 2024, employers must provide 30 minutes of paid lactation breaks to an employee each time an employee has a reasonable need to express breast milk for up to three years following the birth of a child. These breaks are in addition to regular meal and break times. Prior to this date, lactation breaks did not have to be paid. Employers must inform employees when they are hired, once a year thereafter and when they return from maternity leave about their right to take paid breaks for pumping breast milk.
  6. Effective December 30, 2024, contractors and subcontractors must be registered with NYS Department of Labor as a public works contractor, before submitting a bid or commencing work on public projects or private projects subject to prevailing wages. Contractors and subcontractors who submit bids or work on public projects without registering will be subject to a civil penalty.
  7. Effective January 1, 2025, employers must provide eligible employees with 20 hours of paid prenatal leave during any 52-week period. Prenatal leave is in addition to any statutory sick leave benefits.  Notice of this leave must be given in writing to employees.
  8. Effective January 1, 2025, minimum wage for counties outside of NYC, Long Island and Westchester County is increasing to $15.50/hour and the salary exempt threshold for overtime exempt employees increases almost two thousand dollars to $60,405.80 per year.
  9. Effective January 1, 2025, NYS Buy Clean Concrete Act, which puts forth emission limits for concrete used in state funded public building and transportation projects becomes mandatory. All State agency building contracts over $1 million that involve the use of 50 cubic yards of concrete and all transportation contracts over $3 million that include at least 200 cubic yards of concrete are subject to the Buy Clean Concrete Act. Starting January 1, 2025, concrete used in these projects will need to comply with mandatory emissions limits and all concrete used in such projects needs to have an environmental product declaration (EPD) submitted.
  10. Effective July 1, 2025, Covid Sick Leave Act expires, and employers no longer must provide paid Covid Leave.

As New York State is constantly enacting new laws and regulations, expect additional laws to be passed in 2025.  If you need further assistance or have additional questions, please contact Sheats & Bailey, PLLC.  www.TheConstructionLaw.com; Tel. 315-676-7314.

The information provided above is not intended to serve as specific legal advice for any particular situation.  Competent legal and experienced counsel should be consulted.

Simplifying Safety: The Urgent Need for Usable Safety and Health Plans by Small Construction Firms

Wael Khalil, Vice President, Director of Safety & Health, Lovell Safety Management

For small construction firms and subcontractors, having a usable safety and health plan is not just a formality, it’s a necessity for safeguarding their workforce. Regardless of a company’s size, it’s crucial to have a clear, effective strategy to mitigate workplace hazards and ensure employee safety.

Many small construction business owners believe that extensive field experience can substitute for a formal safety and health plan. This perception often stems from their day-to-day involvement in operations, which they feel gives them direct control over safety issues. Many others have the approach that a safety and health plan is only a document needed when bidding for new work.                                   

However, this informal approach lacks the structured benefits of a documented plan.

A concise and relevant safety and health plan is more than a compliance measure, it organizes essential safety protocols and serves as a practical guide for employees. It helps standardize responses to high-risk tasks and ensures consistent safety practices among all workers, thereby enhancing overall site safety.

Safety and health plans should encompass a variety of elements tailored to the specific needs and risks of the workplace. Key components should include hazard identification, risk assessment, control measures, emergency procedures, and employee training. Plans should clearly outline responsibilities and provide a framework for reporting incidents and near misses, which is crucial for ongoing improvement and prevention strategies.

Moreover, the plans should facilitate compliance with relevant OSHA standards and other legal requirements, but they must also remain practical and directly applicable to the daily operations of the workers they are designed to protect. For instance, topics like proper handling of tools and materials, specific protocols for working at heights, and guidelines for the use of personal protective equipment are essential for construction sites. Each procedure outlined should be actionable and devoid of unnecessary complexity that could hinder its real-world application.

The prevailing trend steered by larger general contractors often emphasizes voluminous safety documentation, valuing quantity over quality. This leads to overly extensive safety plans that are cumbersome and impractical for actual field application. Rather than improving safety, these exhaustive documents primarily serve to shield the job site from potential litigation, rather than ensuring the actual safety of workers on the ground. Additionally, general contractors frequently employ third-party vetting firms, which contribute further to the complexity of subcontractors’ safety and health plans.

For instance, I came across a drywall contractor that was required to have a crane and rigging policy, a demand imposed by the general contractors but disconnected from the subcontractor’s actual work. This mismatch exemplifies the disconnect that arises when safety plans are dictated by entities removed from the specific realities of the job site.

Instead of one-size-fits-all documents, safety plans should be dynamic, living documents that are updated regularly to reflect actual job scope and hazards. This approach not only enhances compliance and safety but also fosters a safety culture that values input from employees, making safety an observed priority every day.

For real improvement in workplace safety, the industry needs to assist small construction firms and subcontractors in crafting straightforward, pertinent safety and health plans. These plans should focus on actionable, relevant safety measures tailored to the specific needs of the job and the workers. By moving away from unwieldy documents to more manageable and applicable plans, we can ensure that safety protocols are not just theoretical requirements but practical tools that significantly enhance safety on construction sites.

Larger general contractors have a significant responsibility to prioritize the relevance and effectiveness of the safety and health plans they require from subcontractors. It’s imperative that they shift their focus from merely mitigating litigation risks to genuinely enhancing on-site safety. This approach ensures that the safety and health plans demanded are not just formalities or overly cumbersome documents but are instead practical, applicable tools that subcontractors can realistically implement and maintain. This change will foster a safer workplace environment, where the actual safety of employees is the cornerstone of all safety protocols. By aligning safety documentation with the real-world needs of those on the ground, larger contractors can play a pivotal role in promoting a culture of safety that transcends legal compliance and truly protects workers.

At the end of the day, training employees on a 250-page safety and health plan filled with information that doesn’t directly apply to their tasks or the specific hazards they encounter is not just difficult, it’s ineffective. Workers are far more likely to understand and adhere to safety protocols when they are presented in a straightforward, relevant, and concise manner. Complex, overly lengthy safety plans can overwhelm employees, obscuring the key safety measures that directly impact their day-to-day work.  Streamlined, tailored plans make training simpler, helping employees retain critical information and apply it effectively, creating safer job sites where every worker feels protected and empowered.

For more information on this issue and other safety related concerns you may contact Wael Khalil, VP & Director of Safety & Health, Lovell Safety Management at wkhalil@lovellsafety.com or 917-692-9108.   You may also visit online at www.LovellSafety.com.

How Trump’s Presidency Could Impact Taxes for Construction Companies

Shawn T. Layo, CPA, Dannible & McKee, LLP

Donald Trump’s victory in the 2024 presidential election has revived discussions about potential tax policy shifts his administration could implement. Many provisions from the 2017 Tax Cuts and Jobs Act (TCJA), President-Elect Trump’s major tax code overhaul signed into law during his first presidency, are set to expire at the end of 2025.

With his reelection, Trump has signaled a commitment to extending and building upon these reforms, potentially introducing new measures designed to lower costs, incentivize investments and spur job creation within industries aligned with his infrastructure-focused agenda.

Most contractors are familiar with the Qualified Business Income (QBI) deduction, also known as Section 199A, which has allowed owners of pass-through entities to deduct up to 20% of qualified business income. This provision, which originated with the TCJA, has been a substantial benefit for pass-through companies by serving as a 20% deduction from taxable income passed through to partners and shareholders. It is currently scheduled to expire on December 31, 2025. With Trump’s potential push to extend or enhance tax cuts, the QBI deduction could be preserved, further easing financial pressures on small and mid-sized construction businesses.

Another significant component of the TCJA that has already begun to phase out is bonus depreciation for qualified property, such as heavy construction equipment. For assets placed in service from September 28, 2017, through December 31, 2022, contractors and other businesses were allowed to take 100% bonus depreciation. This has been a huge benefit for companies. Unlike Section 179 expensing, bonus depreciation can be used to create a loss. However, this provision began to sunset in 2023, with bonus depreciation decreasing to 80% for assets placed in service during 2023 and 60% during 2024. If not extended, bonus depreciation will continue to decrease by 20% each year and eventually expire entirely at the end of 2026. Trump’s return to office could result in the extension or expansion of these provisions, enabling construction companies to modernize their operations without incurring sizable upfront tax liabilities.

Corporate tax rates also remain a topic of discussion. Before the TCJA, corporate tax was calculated on a progressive basis, with a maximum tax rate of 35%. Post TCJA, corporations are now taxed at a flat rate of 21% which was made permanent and is not expiring. While there is no specific proposal currently regarding the corporate rate, Trump has suggested reducing it to 20% or possibly even lower for companies that make their products in the United States.

Infrastructure development has long been a cornerstone of Trump’s platform. His administration is expected to push for significant federal spending on roads, bridges, and other critical projects. Tax policies may be structured to incentivize private-sector participation, such as offering tax credits for companies engaging in public-private partnerships.

Furthermore, the administration could introduce targeted tax breaks for companies sourcing materials domestically, benefiting companies that rely on U.S.-produced steel, concrete and other construction inputs.

While many of these potential tax changes could positively impact construction companies, such tax cuts would likely need to be offset by revenue-generating measures. Trump has proposed steep tariffs on foreign-manufactured goods, which may increase the cost of imported materials such as steel and aluminum. Construction companies would need to account for these potential price increases when budgeting for projects.

Undoubtedly, 2025 will be a year full of proposed major tax legislation changes. Trump’s presidency could create a favorable environment for construction companies to expand and thrive. However, companies must remain vigilant about balancing potential benefits with challenges like rising material costs or fluctuating federal budgets. Staying informed and engaging in proactive tax planning will be crucial for businesses seeking to maximize opportunities under the new administration.

Shawn T. Layo, CPA, is a tax partner at Dannible & McKee, LLP, a public accounting firm with offices in Syracuse, Auburn, Binghamton and Schenectady, NY, and Tampa, FL. The firm has specialized in providing tax, audit, accounting and advisory services since its inception in 1978. For more information on this topic, you may contact Shawn at slayo@dmcpas.com or (315) 472-9127. 

Effective Management of Workers’ Compensation Claims: A Guide for Employers

Gavel for judge lawyer with construction helmet and US dollar banknotes money for working project in office.

By: OneGroup

Managing workers’ compensation claims can be daunting. There are some key items to be aware of in order to effectively work through this process. With the state’s revision to the rating formula for the Experience Modification Rate (EMR) in 2022 and evolving trends in the claims world, workers’ compensation claims are having a significant impact on businesses. Variables like this make it even more important to pay attention in the unfortunate event of a claim. This article outlines the essential steps employers should take following a workplace accident to ensure the best possible outcome for their business.

Immediate Response to an Accident

When an accident occurs, the first step is to investigate the claim thoroughly. This involves gathering detailed information about the incident, including the who, what, where, when, and how. It’s crucial to ask as many questions as possible early on to capture accurate details before memories fade or stories change.

Key steps include:

  • Interviewing the injured employee: Ask specific questions about what happened, how it happened, and where it happened.
  • Examining the accident site: Verify any claims about broken equipment or hazardous conditions.
  • Identifying witnesses: Speak to coworkers immediately to get their accounts before they have a chance to discuss the incident among themselves.

Documentation

Proper documentation is vital in managing workers’ compensation claims. Employers should use incident reports to record all relevant details. If an incident report is not immediately available, have the employee write a statement or write it for them and have them sign it. This creates a paper trail that can be crucial if the claim is later disputed.

Important documentation practices include:

  • Detailed incident reports: Ensure they cover the who, what, where, when, and why. The injured employee needs to sign and date the document.
  • Specific injury details: Clearly document the body part or parts injured to minimize the potential for the claim to evolve and include other sites.
  • Witness statements: Collect and have witnesses sign their statements immediately. Try to secure a phone number, home, and email addresses for the witness.

Reporting Process

Employers must document and maintain a record of any injury or illness for 18 years. The injury or illness must be reported to the insurance carrier (and the Board) within 10 days of the disability or employer knowledge of disability—defined as lost time or restricted duty—if there is more than one day of lost time beyond the shift when the injury occurred or if medical treatment extends beyond first aid.

Steps in the reporting process:

  • Timely reporting: Ensure the claim is reported to the insurance carrier within the mandated timeframe to avoid penalties, and to provide time for the carrier to investigate the loss. Reference New York form C-2F (Employer’s First Report of Work-Related Injury/Illness) for information the carrier will need. Contact your broker if you are uncertain how to report a loss.
  • Share your concerns: If you question a loss or there are details which seem important which are not addressed in reporting, let the carrier know you would like to be contacted to discuss further. When the carrier contacts you, it is appropriate to share your concerns with them.
  • Let the employee know you have reported the loss. If a claim number is provided by the carrier, share that with the employee. Medical providers will request this information at the time of treatment.
  • Involve risk management: Reporting losses helps identify and address potentially hazardous situations and avoid future incidents.
  • Electronic Data Interchange (EDI): Understand that state-mandated EDI reporting requires timely and accurate submission to avoid penalties.

Components of a Claim

A workers’ compensation claim typically includes several components:

  • Indemnity: Payments for lost time, which can be a temporary closed period of lost time or a schedule loss of use (SLU) award or Loss of Wage-Earning Capacity (LWEC) award for permanent injuries.
  • Medical expenses: These are lifetime expenses and can increase annually due to rising average weekly wages and fee schedules.

Active Management of Claims

Active management of claims is crucial for minimizing costs and ensuring a positive outcome. Employers should:

  • Provide prompt medical attention: This helps the injured employee recover quicker and return to work, even in a limited role, which can reduce the overall cost of the claim.
  • Engage in proactive communication: Keeping open lines of communication with the injured employee can foster a sense of loyalty and reduce the likelihood of litigation. Set the expectation that employees inform you and provide documentation of their medical examination dates and status after each appointment. Failure to do so may jeopardize their workers’ compensation benefits and perhaps their employment status. Share the medical status information with your carrier.
  • Inform your carrier when an employee’s work status changes (out of work, returns in a transitional duty capacity, returns full duty, etc.)
  • Update your carrier with any relevant developments you become aware of, i.e., employee is unable to work but is still participating in outside activities, etc. Don’t assume the carrier shares your knowledge.
  • Complete the forms. Yes, there are many. Yes, they are cumbersome. However, if they are not completed fully and accurately, you will be asked to do them again. If you do not, penalties and adverse findings will follow. Do it right and do it once! (If you have questions on how to complete, ask your broker before you submit)

In Summary

Effective management of workers’ compensation claims involves prompt investigation, thorough documentation, timely reporting, and active management. By following these steps, employers can mitigate the impact of claims on their business and ensure compliance with state regulations. Proper handling of claims not only helps in reducing costs but also supports a safer workplace environment.

If you have any questions or need further assistance, please do not hesitate to reach out to OneGroup’s team for guidance and support.

 

2024 Year in Review

Earl R. Hall, Executive Director

As the Syracuse Builders Exchange (“SBE”) prepares for a new year, and the abundance of opportunities that await the Association and our member employers. Let’s reflect upon the highlights of 2024 and the importance of the region’s only not-for-profit construction industry Association.

Membership

The stability of SBE’s loyal and diverse membership remains our greatest strength.  While the membership data reflects a consistent composition of general contractors/construction managers, specialty subcontractors, suppliers, manufacturers’ representatives, and professionals (architects, engineers, accountants, etc.), the core of SBE’s membership remains specialty subcontractors (72%) followed by general contractors/construction managers (11%).

Membership activity experienced an unusually high number of membership applications from out of area employers (both from within and outside of New York State) as contractors are eager to take advantage of anticipated economic development opportunities throughout central and upstate New York.

Today, SBE remains New York State’s largest construction industry Association with approximately 960 member firms.

Electronic Plan Room

Enhancements to the e-plan room were well received by our 900+ firms and over 4,500 end users.  Upgrades to the e-plan room during 2024 included:

  • The elimination of jpg and tif files and the implementation of PDFs for all bidding documents, thus making it easier for end users to export such to various estimating and take-off software platforms.
  • Launching a new blueprint viewer with additional and user-friendly features.
  • Deploying state-of-the-art estimating and take-off software features within the new blueprint viewer, providing firms with limited budgets to use built-in estimating and take-off software.

In addition to the enhancements, SBE reported on over 6,000 projects in 2024, including projects in the planning stages, projects in the bidding stages, addenda, apparent low bidders and contract awards.

Education and Safety Training

Never in the history of SBE has the Association provided more in-depth education and safety training classes and content to member employers, and their employees. 

New in 2024 was the launch of SBE’s Building Information Modeling (“BIM”) classes.  To accommodate SBE’s investment in BIM, SBE purchased laptop computers for the classroom for students to use, along with pre-loaded Autodesk material.  During the process, SBE was awarded the title of an Autodesk certified and approved training center, the only Builders Exchange in the country with this designation.  To teach our BIM classes, SBE hired BIM expert Eric Wing, who is the director of BIM at C&S Companies and professor at the Syracuse University School of Engineering.

SBE continued our relationship with the Rochester Institute of Technology, providing construction industry employers throughout central New York the ability to receive the many highly regarded RIT construction education curriculum right here in the Association’s classroom.  SBE and RIT will continue this relationship into the future.

Mohawk Valley Builders Exchange Merger

As reported throughout 2024, the Mohawk Valley Builders Exchange (“MVBE”) and Syracuse Builders Exchange (“SBE”) Boards of Directors and memberships voted to merge.   While the New York State Attorney General’s Office Anti-Trust Bureau still must approve of the merger, such is anticipated to occur on or about January 1, 2025.

Although this merger marks the end of an era, it does not erase MVBE’s rich history and tradition in the Mohawk Valley region.  This new chapter reflects an evolution in which employers will begin to receive enhanced services built on collaboration, innovation, trust, and strong values.  Together, we aim to provide a more vibrant, impactful, and cohesive construction industry community throughout a large geography of upstate New York.

Social and Networking Events

SBE’s social and networking events continue to be well attended and supported.  As a result of the MVBE merger, SBE anticipates hosting additional social and networking events in the Utica region.

Conclusion

2024 was an excellent year for the organization, driven by increased income, reduced expenses and strong investment performance.  SBE has no debt and remains fiscally strong in many ways, enjoying revenue streams only made possible by the support of our resilient member employers and their employees.

On behalf of SBE’s staff, Officers, and Board of Directors, I would like to thank our membership for the tremendous, continued support of your Association.  The success of SBE is attributed solely to the incredible membership our staff has the privilege of serving.  Thank you for the trust and confidence you have placed in SBE as we remain excited about playing an important role in your business.  Thank you for including us on your team.

Collaboration That Leads to Quality Care

For Dr. Nicholas Massa, vice president of medical affairs at Excellus BlueCross BlueShield, collaboration and quality have been cornerstones of his remarkable 25-year medical career. As a dedicated local physician, he began his journey as a graduate, resident, and practitioner of pediatrics at Upstate University Hospital, where he fostered partnerships, developed innovative programs, and prioritized affordability.

“My priority has always been on the patient’s health and well-being, and this commitment has driven me to foster strong partnerships with our community organizations, health plans, doctors, and hospitals,” says Massa.

Today, he uses this focus on high-quality patient care in his current role at Excellus BCBS. At the nonprofit health plan, he collaborates with 24 other physicians and is a leader among the hundreds of clinical staff, including pharmacy, nursing, and social work team members. Together, they establish a framework for doctors and hospitals to work in unison
with the insurance company, developing best practices that impact access to high quality care.

At Excellus BCBS, positive and collaborative relationships are essential to providing quality, accessible and affordable care to its 1.5 million members across 39 counties of upstate New York. Ninety-eight percent of all local doctors and hospitals are in the insurer’s provider network. These doctors provide high-quality health care, and their work helps the insurer fulfill its mission: To help people in our communities live healthier and more secure lives through access to high-quality, affordable health care.

“When I think of our mission I keep coming back to collaboration because it’s key to how we address the rising costs of healthcare while also maintaining the level of care our members need and deserve,” says Massa.

The team at Excellus BCBS has made collaboration a priority for the betterment of their members by:
• Providing education on the benefits of health screenings and vaccinations

• Supporting community organizations and providers who are breaking down barriers in health care related to race, ethnicity, or social determinates of health

• Connecting its members with a range of support to meet their needs, using internal resources and external partnerships.

“That’s why we’re here. That’s one of the strengths of a local, regional, nonprofit health plan,” Massa adds. “Our focus at Excellus BCBS is on our communities, on quality of care, and on providing it to our members in a way that is as affordable as possible.”

Quality of Care

That focus on quality is what recently earned CNY Family Care in Syracuse an honor from Excellus BCBS known as the “Circle of Excellence Innovation Award.”

Four years ago, CNY Family Care implemented a diagnostic tool for diabetic patients called Retina Vue. “We are very progressive with various types of testing and education,” says Dr. Joseph Augustine, a primary care physician at CNY Family Care.

With diabetes cases on the rise, Retina Vue provides a quick, in-office scan of the retina, allowing physicians to advise patients on next steps within minutes. This proactive approach shows how primary care practices like CNY Family Care prioritize the prevention of complications associated with diabetes.

“Trust is crucial between a provider and patient. The most significant aspect for doctors and patients is building a relationship and diligently following up on conversations, especially regarding diagnoses,” Augustine explains.

“This quality care is measured by health plans like Excellus BCBS, who recognize the importance of that relationship and trust,” says Tony Vitagliano, VP, provider network, Excellus BCBS.

The Circle of Excellence award is not a financial incentive award, but rather a peer-nominated award. The award highlights visionary, quality, and health equity thought leaders in the Excellus BCBS provider network who have made significant impacts on health care delivery and the lives of the health plan’s members.

“We developed the Circle of Excellence awards to recognize those who work in partnership with us and look at different ways to deliver accessible and high-quality care,” Vitagliano said. “Because of doctors like those at CNY Family Care, patients are getting the care they need, when they need it. It’s partnerships like these that make us incredibly proud.”

Access to Care

When providers and insurers work together to improve access to care, they can significantly impact their communities.

“Just as coordination and collaboration have better ensured quality care for patients, they have also helped us to address health disparities,” Massa says. “Part of being a good doctor means getting to know your patients; we recognize that our network of providers has strong relationships with the people they care for, and that trust leads to better outcomes and greater access.”

A prime example in Central New York is Cayuga Health Partners (CHP), a proud partner of Excellus BCBS. This clinically integrated network of primary care and specialty physicians, in conjunction with Cayuga Health System, has established a closed-loop referral process. This process integrates social needs screening, connects patients directly to community resources, and provides direct feedback to providers.

“CHP, an Ithaca-based organization, sets the bar high for the work it has done to help underserved populations through healthcare and social services interventions,” Massa says. CHP CEO Rob Lawlis couldn’t agree more. “We are leading the region with our commitment to health equity and developing health equity capabilities,” Lawlis says. “By addressing unmet social needs, CHP is taking steps to address major barriers to health and wellbeing for vulnerable populations in the community.”

One such step is through a program called “We Ask Because We Care,” in which patients are invited to answer optional questions about race, ethnicity, sex at birth and current gender identity.

Dr. John-Paul Mead, medical director at CHP, adds, “With the data, we can see if there’s a problem with a group that isn’t getting tested in the Ithaca area. We can look at that group and ask, what’s the mammogram rate for that subpopulation?’”

After spending three years mining the data among their patient population— with 80% responding—CHP has identified specific groups it can target for preventive diagnostics. That rate of response means the data is valid, so CHP can get to work.

“We Ask Because We Care represents an innovative way to address health inequities,” Vitagliano says. “By leveraging community partnerships like this, we are able to work together to ensure everyone has a chance to live a healthy life.”

Mead is justifiably proud of the program and its partnership with Excellus BCBS. “Excellus BCBS, like CHP, is truly working to help their members—our patients,” Mead says. “Their support allows us to make an impact on patients’ lives. We both understand that it’s not 

Affordability of Care

just about saving money, but instead about saving lives and preventing disease.”

 

While ensuring that members receive the best possible clinical outcomes and access to care, Excellu
s BCBS is also dedicated to making health care as affordable as possible.

Through programs that work directly with members, their doctors, and the health plan, these collaborations, as Massa explains, allow Excellus BCBS to provide more comprehensive, coordinated, and, at times, even more convenient care for high-risk members while reducing the need for expensive health care services.

REACH Kidney Care
ElenaMarie Burns, an Excellus BCBS employee, faced the challenges of navigating chronic kidney disease (CKD) when her father suffered a stroke in his 50s that led to the discovery that his kidneys were not functioning properly.

She remembers times when her father would stop taking his medication or resist following the doctor’s dietary instructions. “We didn’t have someone to sit and talk to him, like a care management team to have that coordination of care. I think he could have benefited from that,” says Burns. Within a couple of years of diagnosis, her father began dialysis. “The dialysis really did a number on him.”

REACH Kidney Care didn’t exist when Burns was going through this stressful time with her father. Today, this kidney health management program partners with Excellus BCBS and its network nephrologists to provide its members with stage 4-5 chronic kidney disease services that help them to navigate their care and follow their physician’s treatment plan.

Knowing what is available to patients and caregivers now, she says, “I think that education (provided by the Excellus BCBS care management team and REACH Kidney Care) would have given my father a better quality of life.”

Through REACH, members work one-on-one with a multi-disciplinary care team that provides personalized support to help members make the most of their care and manage their CKD. The REACH program is offered virtually, over the phone and in-person at no cost to members that have this benefit included in their plan.

“This program allows us to improve the health of our CKD patients and keep them out of the hospital, decreasing the cost of care,” says Dr. Philip Ondocin of Nephrology Associates of Syracuse. “Excellus BCBS members who are eligible for the program are offered social support and psychological services, which are hard to get for dialysis patients.”

WellBe Senior Medical

WellBe Senior Medical has partnered with Excellus BCBS to bring care directly to the homes of some of the most vulnerable Medicare Advantage members, helping to reduce unnecessary medical costs and improve quality of care.

For 95-year-old member “Ms. D” who was ready for hospice but didn’t qualify based on her diagnoses, WellBe being a part of her care meant she could spend her final days at home with her daughters by her side.

“Ms. D’s WellBe clinical team collaborated closely with her family as an added in-home resource and when her daughters placed an urgent call to WellBe as her mother was having trouble walking and breathing,” says Nurse Practitioner Liz Vasquez, WellBe’s clinical director. “We were able to recognize signs of congestive heart failure and discussed hospital stabilization or hospice enrollment.”

Despite not qualifying for hospice through her existing diagnoses and lack of an echocardiogram, the WellBe team used the Framingham CHF Criteria to diagnose her condition accurately, enabling Ms. D to then qualify for hospice care at home.

“This is just one example of how we focus on patients with serious chronic illnesses, or who are either homebound or home-limited, meaning that it’s difficult for them to get out of the house for appointments,” explains Dr. Raghu Ram, WellBe regional chief medical
officer.

Eligible Excellus BCBS members benefit from personalized in-home care as needed, help managing prescription medications, and in home urgent care services available 24/7.

WellBe collaborates with the patient’s primary care physicians, so they are seen, in the home, between office visits. The goal of this collaboration is to improve outcomes and health care quality, reduce unnecessary medical costs, and provide exceptional member experience.

Additionally, by visiting patients at home, providers can address issues such as personal safety, fall risk, and food insecurity. “We’re often able to see things that may be of concern that wouldn’t otherwise be seen in an office setting,” Ram says.

Excellus BCBS Pharmacy Concierge Program

High drug prices are challenging health plans, employers, patients, and the entire health care system. This upward trend, which is projected to continue in the coming years, has serious consequences for millions of Americans, as one third of the U.S. population reports not taking medication as prescribed because it is just too expensive, according to the American Hospital Association.

The high cost of prescription drugs and the resulting burden on members led Excellus BCBS to develop Pharmacy Concierge, an innovative approach to improving care while reducing costs.

“Pharmacy Concierge makes a powerful difference for our members,” says Massa. “We’re proud that a program now exists that ensures our members are using the most appropriate and cost-effective therapy options.”

The concept of improving care and reducing pharmacy costs by identifying lower-cost generics or modifications to dosages is not unique. “What is unique about Pharmacy Concierge is our focus on health outcomes and safety,” says Excellus BCBS Pharmacist Supervisor Lindsey Shuler.

“It is much more than an algorithm. The program includes a clinical review of every savings intervention and ensures both safety and savings,” she adds.

This past year, the Excellus BCBS clinical team identified a member on an inefficient dosage of a brand name antidepressant. The member was prescribed two tablets daily, despite availability of a higher dose, which would allow for one tablet to be taken daily. The team reached out to the member’s doctor, suggested a change, and today the member is taking the dosage once daily, ensuring a better outcome, as well as saving $3,500 per year.

“We ensure that our recommendation would never result in more out-of-pocket costs for the patient and always ask, ‘What are the most cost effective options that are also the safest for our members?’ We work directly with the prescriber to discuss and suggest alternatives, but the final decision is between the prescriber and patient,” Shuler says.

And with the cost savings often comes medication adherence.

“As a provider, I know that if a patient can afford a medication, they’ll take it more consistently, which provides them a better outcome in the long term,” says Massa.

Collaboration is Key

Excellus BCBS’s strength lies in its commitment to the communities it serves, the doctors and hospitals that it partners with, and the members who rely on them for care.

While costs are increasing in all areas of our lives, from the grocery store to the gas pumps, health care is no exception. But together with its many partners, Excellus BCBS is eager and ready to continue working to prioritize the overall experience and outcomes for their members, providing access to quality care to all people.

“We want our members to have access to the care they need, when they need it, and we do this through strong partnerships, innovative programs to improve affordability, and a relentless focus on our members,” says Massa. “Collaboration is essential in health care because it allows us to leverage strengths and improve where there are weaknesses. By working together, we can create a seamless experience for patients, and ensure they receive the right care at the right time.” 

To learn more about these and the many other programs offered through Excellus BCBS, visit excellusbcbs.com.

Who’s Taking Care Of The Physicians?

MSSNY’s Peer Coaching Program Combats Stigma, Offers ‘Safe Space’ for Docs Battling Demons

By: Bari Faye Dean

It’s no secret that physicians live in a pressure cooker of stressors. They want to provide the highest quality care to patients, give the most of themselves to their families and personal life and, all the while, find themselves buried in paperwork and the inexplicable frustrations brought on by the technology required to balance healthcare regulations and insurance red tape.

“Doctors aren’t weak. We are strong and resourceful,” said Frank Dowling, MD, a psychiatrist in private practice on Long Island. “But even steel has a breaking point.”

Without intervention, stress and burnout can lead to severe health issues, including depression, PTSD, substance abuse and even suicide. No question about it: something has to give – before a practitioner gives in to stress, burnout or a personal challenge that has been threatening to sideline them. The bottom line, wonders Bonnie Litvack, MD, a Mount Kisco, NY-based radiologist who specializes in breast imaging, is this: “Who’s taking care of the physicians while physicians take care of everyone around them?”

Confidential Assistance from Trained Peer Coaches
The Medical Society of the State of New York’s (MSSNY) Physician Wellness and Resilience Committee launched a Peer 2 Peer (P2P) program. This program offers a vital lifeline to physicians, residents and medical students who are having emotional difficulties but have decided not to seek help because they are afraid of the stigma attached to mental healthcare – especially for physicians who are “supposed to be able to handle everything,” Dr. Litvak said.

When a participant reaches out for help, they are connected with a P2P Program peer supporter, a fellow medical professional, who has been trained to actively listen and offer feedback during one or two phone calls or video chats.

“We are providing psychological first aid,” said Dr. Dowling, who has been a peer supporter since the inception of the MSSNY program. “It’s therapeutic because it provides support and empathy, but it’s not treatment. If the participant needs a clinical referral and agrees to take one, they will be connected with the help they need.”

To date, almost 100 physicians have been successfully trained in crisis management by MSSNY’s P2P Program. During three-hours of training, peer supporters are trained to know what resources are available and how to guide a physician to get the help they need moving forward. If you would like to learn more about becoming a peer supporter, contact Emily Rento, Program Coordinator, at erento@mssny.org.

“Too many doctors are suffering in silence because they fear that if people knew what was going on in their heads, others would look at them differently,” Dr. Dowling said. “The P2P Program allows doctors to help our peers manage their battles confidentially.”

Indeed, the entire program is 100 percent confidential. There is no paper trail. There is no reason to fear retribution at work. If you need help, reach out now. You can get connected with a peer supporter by emailing P2P@mssny.org or by calling 844-P2P-PEER (844-727-7337).

P2P Provides a Safe, Judgment-Free Space
“There is a real need for this program. Many other fields have these types Physicians are human beings and they need a safe space, where they can be validated and talk about their feelings without judgment,” explained P2P Program peer supporter Dr. Litvack.

Dr. Litvack was president of MSSNY in 2020 2021 during the height of the COVID-19 pandemic, when the P2P Program was launched. “COVID exacerbated everything physicians are dealing with at work and in their personal lives. I am proud we were able to start the P2P Program then, Dr. Litvack said. “But it’s a few years later and we see those life stressors haven’t gone away. Physicians faced them long before COVID and we will be facing them long after.”

Take It From Someone Who’s Been There
Janine L. Fogarty, MD, a diagnostic radiologist in Rochester, NY, is not only a trained peer supporter, but she knows first-hand how a career in medicine can cause a level of stress that can engulf a physician. She has been there and retired from that.

“I retired from a long medical career in 2022 because I was burned out beyond repair,” Dr. Fogarty said. “At work, I had all the responsibility and no control. I couldn’t affect change for my patients. I couldn’t do it anymore. I was so emotionally isolated. No one around me knew I was struggling. My work environment wasn’t healthy for me so I couldn’t reach out there. I could talk with friends but they didn’t really understand because they are not physicians.”

Dr. Fogarty remembers the days of the physicians’ lounge, when a step away, a cup of coffee and a quick chat with a colleague could do wonders to calm a stressed doctor down. Those days are long gone, she said. “You put your head down and move forward. You don’t want to disappoint patients or coworkers.”

This combination, she said, is a recipe for disaster in a physician community where shortages are rising at record rates. Bringing back a sense of comradery could be a real solution for physicians who are struggling and need connection, she said.


At the same time, physicians don’t reach out for help because of the stigma they believe is alive and well throughout the medical community.

“Every day, doctors choose to suck it up and don’t get the help they need,” Dr. Dowling said. “If doctors can get help earlier, without anyone knowing, it can make all the difference. The P2P Program has done this for many physicians all around New York.”

If you need someone to talk with or a physician you know is struggling, MSSNY’s P2P Program is here to help. For more information, email P2P@mssny.org or call 844-P2P-PEER (844-727-7337).

Changing Weather Patterns and the Potential Impaction Environments and People

By Kathryn Ruscitto, Advisor

This week I had the opportunity to talk to two science experts who I have asked to be part of a panel on restoration of parks and landscapes after two recent hurricanes. The Garden Club I belong to in Florida works to raise money to restore pollinator gardens and native plantings, and we will be sponsoring a panel to help people plan for the future.

The scientists listened and observed and said, be sad for what is lost but move on. Our weather patterns are changing, and what worked in the past needs rethinking. What survived, and what didn’t, and how do you use resources and time to plan for the future.

Sobering but great advice.

Health experts are beginning to look at the issue of changing weather patterns and its impact on health as well. Research suggests more respiratory and cardiac- related chronic conditions, spread of parasites and pathogens, as suggested by increases in tick-borne diseases, West Nile and Dengue, and more foodborne illness, as suggested by the recalls we are experiencing due to outbreaks from food across the country.

For those patients who work outside, the exposure is leading to more risks related to heat and cold. Many clinicians were trained in a period where climate impact on patients was not part of anyone’s curriculum. That has changed.

The American Medical Association in November issued stronger statements on this topic:

“Climate change has adversely affected people’s physical and mental health. Climate- related risks are not distributed equally. The AMA recognizes that minoritized and marginalized populations, children, pregnant people, the elderly, rural communities, and those who are economically disadvantaged will suffer disproportionate harm from climate change.”

The American Hospital Association has developed tools for organizations to look at their behaviors and policies to promote sustainable practices and reduce environmental impacts.

It’s a broad topic that leads us to consider both personal and professional implications. How do I adjust my behaviors and even my investments of time and resources in renewable technology and research.

Sobering issues, but we should focus on what we can do individually to improve our education and actions.

Resources:
Climate Doctors: https://www.youtube.com/ watch?v=bgvMYCMy57w

•AHA Survey on Climate Change: https://
www.aha.org/news/headline/2024-01-24 survey- most-clinicians-support-hospital efforts-address- climate-change

AMA Advocacy on Climate Effects: https:// www.ama-assn.org/delivering-care/ public-health/advocacy-action-combatting- health-effects-climate-change

Kathryn Ruscitto, Advisor, can be reached at linkedin.com/in/kathrynruscitto or at krusct@gmail.com

Physician Burnout: Seeing Improvement but Still a FixableCause for Medical Errors

By: Jenn Negley, Vice President, Risk Strategies Company

Physician burnout is not a new phenomenon, but its prevalence has recently reached alarming levels. According to a 2021 survey by Mayo Clinic and Stanford Medicine, 62.8% of physicians reported experiencing burnout. While the numbers have improved, with a more recent AMA study showing that 50% of physicians are now struggling with burnout, the issue remains far from solved. The lingering effects of the COVID-19 pandemic, growing mistrust in medical science, and misinformation continue to place added stress on healthcare providers, making burnout a critical issue that affects both physicians and patients.

The Lasting Impact of Administrative Challenges

A key factor fueling burnout in physicians is the increasing administrative burden they face. Constantly changing regulations, including the often-onerous prior authorization (PA) processes, have been cited by physicians as major contributors to job dissatisfaction. The American Medical Association (AMA) has voiced concerns about PAs, describing them as a “barrier between patients and necessary care under the guise of controlling costs.” According to the AMA’s latest survey, 95% of physicians reported that the PA process either somewhat or significantly increased their burnout.

While administrative tasks are a challenge in many professions, in healthcare, the stakes are much higher. When physicians are overwhelmed by paperwork, their ability to provide optimal patient care is compromised, which directly impacts patient safety. Medical errors, which are already a significant concern, are further exacerbated by burnout.

Physician Burnout and Its Link to Medical Errors

The relationship between physician burnout and medical errors is well documented. In a study led by Daniel Tawfik and published in Mayo Clinic Proceedings, it was revealed that rates of medical errors tripled in work units where physicians reported high levels of burnout—even in units with top safety ratings. This data makes it clear: burnout doesn’t just affect physician well-being—it directly impacts the quality of care they provide.

Though healthcare systems have made progress in improving patient safety through system-level interventions, we cannot overlook the role of the physician’s mental health. If physicians are experiencing burnout, even the most well-designed systems will fail to prevent medical errors. In fact, burnout could undo many of the safety gains achieved through system-level changes. To reduce errors and improve care, we must address the root cause of burnout.

Addressing the Root Causes of Burnout

There are clear steps that can be taken to reduce burnout and improve both physician well-being and patient care. First and foremost, healthcare organizations must create a culture where mental health is prioritized. This begins by fostering an open dialogue about burnout, encouraging physicians to seek help when needed, and ensuring they have access to mental health resources.

While individual support is crucial, systemic changes are just as important. The administrative burden physicians face must be reduced by streamlining processes such as prior authorizations and cutting down on redundant tasks. Physicians should be allowed to focus on patient care, rather than spending countless hours on paperwork. Furthermore, healthcare leaders must listen to the needs and concerns of their staff, ensuring that burnout is addressed not just as a personal issue but as an organizational one.

• To make a lasting impact, addressing burnout requires collaboration among all stakeholders, including healthcare systems, insurance companies, the government, and technology providers. Solutions should include adjusting workflows, improving reimbursement rates, and eliminating unnecessary administrative barriers. If we tackle these issues, we can create an environment that supports physicians and, in turn, improves the quality-of-care patients receive.

Conclusion: Physician Burnout Is a Fixable Problem

While physician burnout rates have improved, they remain alarmingly high and continue to contribute to medical errors. This is a crisis that cannot be ignored. The good news is that burnout is a fixable problem—one that requires the collective effort of healthcare leaders, administrators, policymakers, and the broader healthcare system. By addressing the root causes of burnout, such as administrative burdens, and fostering a culture of mental health support, we can reduce medical errors and ensure that physicians are able to provide the best possible care to their patients.

For more information, please contact Jenn Negley, Vice President, Risk Strategies Company at 267-251-2233 or JNegley@Risk Strategies.com.