- 1. Vol. 3 | Spring 2010 Employee Benefits Liability Employee
Benefits Liability etHandlewith carePage 16 Fiber: the next Saving
LatinosMission: Big Thing Page 24 boosting aviation Page 10 Page
48
2. ORIGINAL CHRONOGRAPH Distribuidor exclusivo: Nilo Watch
Parts, Inc. Servicentro Rado Autorizado: nico centro de servicio
con todas las piezas genuinas. Calle De Diego #169, Esq. William
Jones, Rio Piedras Tel. (787) 764-3290. Abierto de lunes a sbado de
8:30 AM a 5:30 PM. 3. PUB LISHER S M EMO A Bridge to Atlanta When
thinking of doing business in the States, most companies inPuerto
Rico focus on Florida as a rst choice, followed by the
majornorthern cities of New York, Philadelphia, Boston and
Chicago.Texas has also become a candidate of late. In our case
(Fulcro Insurance), we chose Atlanta, and it has made all the
difference. Think about it. Atlanta is the capital of the
Southeast, as the regions largest and fastest growing city (metro
population: 5.2 million). It has the worlds busiest airport (the
worlds!), the most shopping center space per capita than any city
except Chicago, the most ber optic infrastructure of any city in
America, the headquarters of some of the largest multinationals in
the U.S., home of CNN I can go on, but you can Google the rest. It
is a thriving metropolis with loads of opportunities.Signicantly as
well, its always been the hub of the civil rights movement, and
today thats translating into a growing Hispanic population and
marketplace.Ramn A. (Tony) PrezChairman of the BoardThats why we
chose this edition of C-Level to create a bridge, to bring
bothFulcro Insurance, Inc. communities together, to add our growing
Atlanta readership to our C-Level community of unique and special
readers.In our last edition, we featured one Atlanta story: how
Monica Maldonados Interprint Communications has used supplier
diversity to penetrate Corporate America. This time, we bring you
three stories from our neighbors to the North, starting with our
two Level Above stories: Dr. Tangos emergence as the global leader
in online Spanish-language health information, and Precision 2000s
rise to the top among Hispanic and women-owned airport construction
companies in the U.S. And the featured voice on Fulcrum, Charles
Kuck, who argues passionately for a different kind of immigration
reform to ensure our competitiveness.This edition of C-Level is
also packed with powerful stories from Puerto Rico. We mentioned
ber in Atlanta; well, theres a new ber revolution taking shape, and
it is led in Puerto Rico by Stephen Spears, one of our Daring
Leaders. The other is the General, Rafael OFerrall of DadePaper,
who has some things to say about patriotic leadership. Learn the
risks inherent in your Employee Benets and how to manage them; it
can save you a lot of money, as youll read in our C-Story. In Next
Level, the Sheraton Casino Metro shows how its taking technology
truly to the next level. Last editions Fine Living brought you an
arms collector. This time we focus on cars, except that Pedro Muoz
is about so much more. So is Chubb, but in this edition, Jim Fiske
of Chubb Personal Insurance focuses on how to secure a car
collection. If you enjoy cars, you might enjoy planes. Pilot Chacha
Fournier certainly does. Her passion for ying to the islands is
featured in Fun Living, as CLevel | Spring 10 is the spread of
aviation as her cause.Happy reading, my friends. And let us welcome
our Atlanta readers to the C-Level Community. Bienvenidos todos! 2
4. THE PLAN 2 PUBLISHERS MEMO The Atlanta connection42FINE
LIVINGDream drivePedro Muozs collectionDARING LEADERS6 Rafael
OFerrall The Generals cause46Drive carefully (and seldom!)Insuring
your collector cars FUN LIVING1048 Stephen Spears Benefactor of
aviation Right place. Right time. Pursuing dads wish C-STORYON THE
AGENDA16 Diffusing a ticking time bomb Employee Benets Liability
52Voices heardSocial responsibility at work A LEVEL ABOVEFULCRUM24
Becoming a player in wellness Dr. Tango carves out a niche 54The
immigration reform we needCharles Kuck speaks out30 Flying into the
big leagues Precisions journeyNEXT LEVEL 36 Networked Casino The
new game in town CLevel | Spring 10 PublisherDesign &
Production Copyright 2009 Fulcro Insurance POR LOS NIOS DE Fulcro
Insurance Arteaga & Arteaga CNo part of this publication may be
reproduced, Editor 787.250.0006stored in any retrieval system or
transmitted in any Alex Dazwww.arteaga.comform or by any means
electronic, mechanical, 787.923.0743 photocopying, recording or
otherwise, without prior written permission of the Publisher. Sales
Fulcro Insurance ALL RIGHTS RESERVED. Janyra Prez Blanco
787.616.2929 4 [email protected] 204 San Francisco St. Old
San Juan 787.725.5880 www.fulcroinsurance.com 5. Think hero, and
most people think brave military exploits. Sure enough, Gen. Rafael
OFerrall has had his share. But his heroism is about something much
closer to heart. The stuff heroes areT he fate of the U.S. military
base at Guantanamowent about his duty of directing the work of
2,150 Bay, Cuba, was one of the contentious issues ofmilitary
personnel and more than 5,000 civilian workers the 2008
presidential elections in the Unitedand contractors. The main task
under his command: States. Barrack Obama signaled that he would
ensuring the humane treatment of all detainees andshut it down.
John McCain argued as forcefully that heplanning the shutdown of
the base, a job he executedwould expand its role.with stellar
reviews until his return home exactly a yearlater, December
2009.The Bush Administration had been under attack forhaving
allegedly mistreated detainees, conductingHome was (is) Puerto
Rico. The deep satisfaction feltcontroversial interrogations of
known or suspectedby soldiers upon landing on the one-way trip back
hometerrorists at the base. To no ones surprise, shortly after is
well known. For OFerrall, it was deeper still.being sworn in as
President, Obama announced hewould close the base in about a year.
Everything I do in the military has one overridingpurpose, he told
C-Level, as his eyes glowed withAs the controversy swirled around
the planet, Gen.emotion. To put our ag on the map and give
ourRafael OFerrall was down at Guantanamo breaking into people
another reason to believe in our ability to rise ashis new job as
the bases Deputy Commanding General.high as we want. CLevel |
Spring 10He had arrived in December 2008, as the base wasgearing up
for the new marching orders sure to come It is the overwhelming
constant in his life. His non-out of the White House. military job
is to serve as a general of a different sort:General Manager of
DadePaper Puerto Rico, the Catao-With the worlds eyes xed on the
base, OFerrall based distributor. The larger purpose of that job is
6 6. DAR IN G LE ADERSyet so many people still look to the U.S. or
to the next guy for help. We can make it happen ourselves. Ive
tried to show it in everything Ive done in business, in the
military and in my involvement with business associations, and
there is so much more to be done. Enormous rewardsIt is the sort of
sacrice and missionary zeal that heroes are made of, both on the
battleeld and on the business eld.OFerrall nally achieved his
general manager goal in 1993, when Pach-Tech, a 100-employee
packaging supplier on the island caught re and was about to be
closed. OFerrall left his cozy job at Baxter, was called by an
investor and management group and acquired the company, which he
took to new heights during the following eight years.We saved 100
jobs and did some pretty creative, trendsetting things with the
company, he recalls another advance in his long march towards the
ultimate victory he seeks: development, self-esteem made of and
international respect for Puerto Rico. Having been in the military
mainly the Puerto Rico National Guard since his ROTC days in
college, OFerrall answered yet another big call of duty. He was
fresh from achieving his lifetime goal of becoming an Army General,
a feat he accomplished upon completing a exactly the same. When I
began in the pharmaceutical rigorous one-year course at the U.S.
Army War & Senior industry many years ago (1980s), most general
manager Service College at Harvard Universitys John F. Kennedy
positions on the island were lled by statesiders. That School of
Government the only Puerto Rican to have always troubled me. With
so much local talent, whyever obtained the honor. couldnt we hold
those jobs? OFerrall was then deployed as Deputy and later A foot
soldier for medical device maker Millipore atCommander of the
Guardian Mariner Task Force, an the time, he laid out a battle plan
to become general 18-month tour of duty that entailed more than 240
manager, either at that company or another. But not missions from
the U.S. to the war front in Iraq, mostly just for the sake of
occupying the post.by sea, protecting the military supply
chain.Since then, Ive been on a mission to persuade my He assumed
command of DadePaper upon returning colleagues other Puerto Rican
managers and thehome from that mission in 2004, the only
interruption island as a whole, that we have what it takes to take
being the year at Guantanamo. True to form, OFerrall our beautiful
island to the next level of development put in place a leadership
model worthy of the military: and job creation. Our people need so
much. There is7 so much potential that we can turn into growth, and
continued on next pageCLevel | Spring 10We have what it takes to
take our beautiful island to the next level ofdevelopment and job
creation. There is so much potential that we can turninto growth,
and yet so many people still look to the U.S. or to the next guy
forhelp. We can make it happen for ourselves. 7. DAR IN G LE
ADERScontinued from previous pagefocus on fundamental principles
and take care of thetroops, the latter being DadePapers 80
employees inPuerto Rico. To come from supervising more than 7,000
peoplein one of the most intense situations in the
world(Guantanamo) to supervising 80 has not been an easytransition,
he admitted, but the rewards are enormous.We have such a fantastic
team here. A labor of love the worse in 2006, we were lean and
ready. DadePaper is one of the leading makers and distributors As
the economy worsened still more in the yearsof retail products in
the Eastern U.S. paper, plastic,since, pressure built for OFerrall
to downsize further,foam, chemical and janitorial products
delivered to this time with layoffs. But he was able to increase
salesretailers, supermarkets, restaurants, cruise ships, hotels,
and protect every one of the 80 jobs at the company.cleaning
companies and other clients.Im all about creating jobs, not cutting
them, heFounded in 1939 in Dade County, Florida
(Miami),exclaims.the company now boasts regional
distributionfacilitiesin Orlando,In the coming years,Jacksonville,
Atlanta, OFerrall expects toMobile, Washington D.C., Puerto Rico
must market itself become even more activeGreensboro and Puertomore
intelligently. It is part of whatin the struggle to createRico, in
addition to Miami,we must do to meet our destiny: jobs on the
island acrossand 12 sales ofces at becoming a leading nation in
theother fronts, mainly withother locations. Caribbean and Latin
America.his participation in the Food Industry Association The
Puerto Rico operation This must be our commitment (MIDA) and the
Puerto Ricodistributes approximatelyas a people, and those of us in
Manufacturers Association3,000 of the companys leadership roles
bear the brunt (PRMA).15,000 products, including of that
responsibility: to lead ourDadePapers own Victoria people to that
objective.Puerto Rico must marketBay line of cleaningitself more
intelligently, heproducts and lines from numerous well known
brands.said. It is part of what we must do to meet our destiny,
which is: Becoming a leading nation in the Caribbean Under the
companys exclusive GreenSafe initiative, and Latin America. This
must be our commitment asit has taken signicant steps to become a
leader of the a people, and those of us in leadership roles bear
thegreen-business movement sweeping across America. brunt of that
responsibility: to lead our people to thatGreenSafe is a
comprehensive solution that provides objective.green cleaning and
food service supply needs, includingconsulting, products and
follow-up.In the military, commanders are asked to lead troops into
battle and take the hill. The ones who Were just getting going with
the initiative here succeed are declared heroes. In this case,
OFerrall isin Puerto Rico, and so far the results are extremely
among those leading the charge on the front linesencouraging, said
OFerrall.(DadePaper, MIDA, PRMA, military duty), with Puerto Ricos
development as the hill to be charged. With CLevel | Spring 10 One
of the sternest tests of OFerralls protect-the- growth and job
creation as the battle to be won.troops philosophy came between
2006 and 2008. Assoon as he took over the reins of the company,
heIts a labor of love, he concluded.executed a hiring freeze and a
policy of attrition(employees who retired were not replaced) as
part of a To which we say, yes sir salute, heels together,
backbroad efciency drive. When the economy turned for upright, head
held high. 8 8. DAR IN G LE ADERSListen to Stephen Spears explain
it, and youd thinkits nothing. Were #1 in fiber, he says
casually.Number one in fiber? Thats like Bill Gates sayingIm #1 in
PCs in 1995. F iber optics. Remember the phrase (fiber for programs
and transmit them, much like were now able short). Fiber technology
has been aroundto do on YouTube. for a while. But its about to get
a whole lot bigger. Gone will be the cumbersome video and web
conferences of today; connecting face-to-face Were all marveling
nowadays at the incredible speedwill be as easy as dialing a phone.
Oh, and all thoseand capability of phones and computer systems; how
system interruptions from power blackouts, satellitewe can download
digitalized music, movies, loads ofdisconnects and weather events
not that they wontphotographs, video games, you name it, across a
phoneoccur, but they will certainly happen far less
frequently,line, ethernet cable, coaxial cable or wirelessly. will
be of shorter duration and will cause less damage to equipment.It
is even more unimaginable in a business, especiallya large one,
which depends on those systems to Welcome to the coming ber
revolution. Just likemanage and transmit large amounts of digital
records,the digital revolution were still going through
andinformation, communications and transactions adjusting to, where
an insane amount of data is stored(customer and nancial). in a tiny
microchip, the ber revolution will sweep the world before we know
what hit us. CLevel | Spring 10Well, imagine that speed and
capability on steroids.Multiply it many times over. Youll be able
to downloadFiber today is primarily infrastructure, with berthe
heaviest le without delay (none of that it doesnt cabling buried
underground in rings around the citygo through because its too big
talk any more). Your(around the island, in Puerto Ricos case).
Deliveringcable TV company wont just offer 500 channels
withhigh-speed connections from those ber cables to avideo on
demand; it will allow you to produce your own home or building
generally requires phone lines, copper 10 9. DAR IN G LE ADERSFTTP
is already happening. In many U.S. states and in dozens of
countries around the world, FTTP is gaining ground, as installation
costs decline and the value of such ultra-mega-speed connections
rises. Its the next Big Thing. wires or coaxial cables. For
computer connections within Construction (today Bonneville Contrac
a building, ethernet cables are also used. ting & Technology
Group), Spears was abig part of that 1990s pre-revolution, as
Bonneville wasBut what if you could skip those other connectors one
of the companies most hired by the government to and receive ber
straight to your home, building orinstall the ber wiring around the
island. business? It is called ber to the premises (FTTP), and the
big deal is the absolute improvement in speed andToday, the company
leads the pack. We were the rst reception quality. After all, thats
what made ber thecontractor in Puerto Rico to move aggressively
into premier communications infrastructure to begin with, ber optic
deployment, said Spears. We still consider its superiority in
speed, cost and quality.ourselves the islands best equipped ber
contractor.FTTP is already happening. In many U.S. states and In
fact, ber lies behind most of what Bonneville in dozens of
countries around the world, the high- does. In addition to its
strength in communications bandwidth technology is gaining ground,
as installationinfrastructure (all those buried lines and conduits,
costs decline and the value of such ultra-mega-speed including
submarine cabling), Bonneville has developed connections rises. Its
the next Big Thing.a unique expertise in ber-based integrated
buildingand ofce systems. That includes Puerto Rico. The recently
built Sheraton Convention Center Hotel & Casino, for example,
boasts aThat is, your entire security system (video cameras,
ber-driven network (see related story on page 36). Theaccess
controls, perimeter detection), as well as your Puerto Rico
Telephone Company spent billions of dollarscompanys computer
networks and phone systems in the 1990s on a state-of-the-art ber
infrastructure.(voice, data, video and internet, landline and
wireless), Today, a growing number of businesses on the islandand
your electrical wiring and infrastructure, can all are waking up to
the possibilities of taking that ber be integrated with optimum
speed and capabilities by the rest of the way. using ber optics.
Like the speed of lightBonneville can do each of these things
separately, but itis the ber-based integration that most brings
excitement Enter Stephen Spears. As the president of Bonneville to
Spears otherwise calm and cool demeanor.continued on next page 1 1
CLevel | Spring 10 10. DAR IN G LE ADERScontinued from previous
page The biggest wave yetWe have set ourselves apart and given
ourselvessignicant competitive advantages by being the rst
toSpears, a native of Indianapolisemploy new tools, he says
matter-of-factly.and an engineering graduate ofIndiana University,
had movedWhat he does not make a big deal of is the biggestto San
Juan in 1973 to workdeal of all: his company is the leader of an
industry for phone utility ITT. Phone(FTTP) that is about to take
off like the speed of light. infrastructure construction wasin full
swing at the time, and his job was to inspect workFriamente
calculado performed by contractors. Fiber is optic because it uses
light instead of other Including Bonneville. I met Robert Bauchman
and weforms of energy, which allows it to transmit largehit it off
immediately, recalls Spears. They were lookingamounts of
information far faster and less expensivelyfor a person to oversee
the Puerto Rico operation,than metals like copper. It does it using
glass and plastic someone who knew the industry and the local
marketcables that are much thinner and also signicantly less and
spoke the language, and we struck an agreement.expensive than
metal.That was 1984. Five years later, the company was Installing
ber in the shorter distances from the acquired by Italian
conglomerate Pirelli, which was in theunderground infrastructure
cabling to the home or midst of a buying spree, acquiring numerous
companiesofce, however, has generally not been less expensive in
the Americas. Spears was retained to run the Puertothat the
alternatives. But Rico operation, whichas the cost has declined
ofYour entire security system included a diversicationlate and the
value of speed(video cameras, access controls, initiative that took
theand integration has goneup, the equation has perimeter
detection), as well company into voice/video/ data wiring of
businesses,changed in its favor.as your companys computer high-end
security systems networks and phone systems and other lines of
business. Spears, who considers (voice, data, video and
internet,himself a calculated-risklandline and wireless), and your
That really opened mytaker friamente calculado wiring and
infrastructure, caneyes, he added. Thats whenis the Spanish phrase
that I learned about all the thingsbest describes me had noall be
integrated with optimum we could do as a company.way of knowing
this when hespeed and capabilities by usingtook the risk of diving
deep fiber optics.In 1992, Pirelli decidedinto ber nearly 20
yearsit had overreached too farago. At the time, it was the new
thing in infrastructure, beyond its core business (tires) and
market (Europe) andand he began to ride the wave.decided to divest
Puerto Rico. I called Steve Bauchmanand we bought back the company.
A few years later, In fact, Spears has made a career out of
spotting Spears became majority owner.emerging trends and riding
them as far as they go,before hopping on the next new wave. It is a
Bonneville The company lost its step following the
communicationstradition. The company began in Idaho in 1946, long
crash of 2002, when companies like MCI, AT&T, WorldCombefore
Spears time, when founder and then-owner and others retrenched and
the economy slowed. But byRobert Bauchman began to ride the wave of
power- 2004 it was back riding waves and breaking new ground,line
construction across the United States, particularly including in
the U.S. Virgin Islands and the Caribbean,in rural communities.
which grew to represent 25% of all revenues. CLevel | Spring 10When
most power lines were built and that businessThe key has been ber
optics, and if the current globalbecame saturated, building
telephone lines became groundswell driving the FTTP wave is any
indication,the new wave, and Bonneville began riding it straight
Spears is in for quite a ride indeed.through the 1970s. And
straight into Puerto Rico.Surfs up. 12 11. In a world so easily
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experienced team applies the principles of public relations to the
constant changes of new media.Voice is an affiliate of MS&L
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Caribe San Juan Puerto Rico 00926 12. C - S TO R YFrom pain CLevel
| Spring 10 16 13. C - S TO R YMistakes in the handling of employee
benefits are costing dearly. An expert roundtable suggests ways of
turning that problem into an opportunity,with visionary prevention
and engagement. to gain17 7CLevel | Spring 10 Leve 14. C - S TO R
YL aura Perez was touched. Stillletter. It was from Lauras
attorney, roundtable to look into the growing in the hospital a day
afterthreatening to sue unless the risk of employee benets
liability giving birth to a healthycompany covered the hospital
bill and what employers can do about seven-pounder, she received
aand a whole lot more. The company it. Also in the discussion
weregift basket with a moving note from looked into it, became
convincedAngie Lugo, Baxters HR Managerher boss and a visit from a
group ofthat the case would be a sure loss, on the island and
president of theher closest workmates, including theand decided to
take the hit.Puerto Rico Chapter of the SocietyHuman Resources
manager, Monica.for Human Resource ManagementAfter 12 years in this
company of 75Under the radar (SHRM); Ricardo Del
Campillo,employees, they had become family.President of Fulcro
Insurance; andStories like Lauras never have a Julio Ortiz, Partner
of the EmployeeWhen she took little Paola to the happy ending.
Employees trust their Benets Practice at Fulcro.ofce a month later,
they practically employers, and employers trust theirthrew a party.
The whole company, HR departments, to know what to Employee benets,
it turns out,it seemed, was paralyzed for thedo. Employee benets
have terms are not gifts, as most employers andhour she was there.
and conditions. Someone in theHR administrators and
employeescompany is supposed to have the seem to believe. No sooner
had Laura returned expertise to master them.to work following
maternity, than You may be extending a set ofPaola fell ill,
diagnosed with aWhen that someone is notbenets to attract top
talent andserious circulatory condition. Theassigned, and when the
companyenhance motivation and retentiondoctor ordered the girl
hospitalizeddoes not compensate by using an of current employees.
But once youimmediately, with no clear prognosis. expert advisor,
errors and omissionsdo, you become in effect a trustee,When she
arrived at the hospital, are bound to happen, mistakes
thatcustodian and duciary of thePaola was rushed in without a wait.
can cost employers dearly whenbenets and are held accountableLaura,
crushed by anxiety, sat andan employee becomes a victim andunder
federal and local laws to theirslept at her bedside the entire two
suffers the consequences. proper administration.weeks of treatment.
Lauras story is hypothetical. Real-All about ERISAIn the end, the
girl recovered fully. life stories are not. Like an employeeFamily
and workmates celebrated who retires based on a income The federal
law, the principal onewith great excitement and relief. benet of
$3,000 a month, only to you should know and learn well, isUntil
Laura received the letter. It was receive $2,000 because the
companyERISA, the Employee Retirementfrom the hospital, and she
opened itfailed to move the funds to a higher- Income Security Act
of 1974.with a smile, recalling the excellent yielding investment
as the employeeservice from the entire staff, whohad requested and
had counted on.Dont let the word Retirementprobably saved Paolas
life. As she Or when an employee dies and herthrow you off. While
the originalread it, the smile turned to a frown, second child does
not receive his intent of the law was retirement,and she fell on
the couch. Stunned. share of the life insurance because it soon
became the law of the landthe company failed to report himfor all
types of employee benets:The employer had failed to lewhen he was
born 15 years prior.health and life insurance, Socialthe paperwork
to include PaolaSecurity, disability, prot sharing,in the
supplemental coverageUnfortunately, these mistakesstock options and
others.routinely extended to all newbornshappen all the time, said
Reynaldoof employees, which would haveQuintana, a partner at the
Hato The wording in the law is clear:included the hospitalization,
and Rey rm Baerga & Quintana. Theybenets include any plan, fund
or CLevel | Spring 10Laura would now have to pay the simply remain
under the radar and program established or maintained$65,000 bill.
are not reported widely. for the purpose of providing benetsto
employees or beneciaries.Monica, the HR manager, couldQuintana was
one of four expertsonly apologize, until she received thewho
participated in a recent C-LevelWho is liable is equally clear: 18
15. C - S TO R Yanyone employed or subcontracted Benets Liability
(EBL) coverage, by insurance companies. If an to administer, design
and/or managestructured as an endorsement to employee gets sick
following the an employee benet, including any- a General
Commercial Liabilityeffective date of coverage and the one with any
discretionary authoritypolicy. For investment risks, there employer
maneuvers to allow for or control over the management ofis
Financial Liability Insurance (FLI). coverage, it may then get in
trouble any type of benet. The roundtable discussion focused with
the insurance company.primarily on the administrative side,Anyone.
Any benet. Any autho-given the widespread incidenceSometimes
helping an employee rity. That includes you, anyone whoof errors
and omissions, but thecarries risks as well, said Ortiz. works for
you and any vendor you exact same principles apply to the contract
to design and manage anynancial. Part of the problem, he added,
portion of your employee benets is that since most companies in
(investment rms, consultants, Most of these mistakes are the Puerto
Rico are too small, with fewer actuarial rms, law rms, accounting
result of ignorance of the law. than 100 employees, they dont have
rms, administration rms, the Theyre not intentional or
malicious,the resources to strengthen their banks trust department,
etc.).said Fulcros Del Campillo. But that HR department or
subcontract anRoundtable members suggest ve steps to get an
employers employee benets house in order. The rst four focus on
prevention. If that fails, take the fth: buy an Employee Benets
Liabilityinsurance policy. Left to right: Ricardo Del Campillo,
Angie Lugo, Reynaldo Quintana and Julio Ortiz. The law makes a
distinctiondoesnt exempt companies from expert HR consulting rm.
Generally between errors and omissions inliability. They need to
learn the law the top executive delegates HR to a the benets
management on one and make the changes necessarynon-expert at the
company, who end mainly the administrativeto prevent these mistakes
and does the best he or she can. And and clerical handling of
suchadminister their benets in an error- thats where mistakes can
happen. things as enrollment, termination, proof way.
interpretation and records and This absolutely needs to be19 the
investment of funds on the Some employers bend the rules handled by
an expert. Its tooCLevel | Spring 10 other end. to help an employee
who would sensitive, said Baxters and SHRMsotherwise not be
eligible for a Lugo. It is challenging enough toTo protect
companies from the benet, thinking theyre helpingmanage employee
benets at a risk of administrative mistakes, these employees.
Retroactive dates, company of our size that can hire insurance
companies offer Employee for example, are strictly enforced
continued on next page 16. C - S TO R Ycontinued from previous
pagethe experts, so imagine a small most law rms delegate employee
about ERISA than employers, andcompany without the expertise.
benets to the tax department, since they use that knowledge in
laboremployers tend to focus more on thenegotiations.The problem is
made worse, shetax breaks of employee benets thanadded, because the
islands four- in managing them free of mistakes.Second, advise
employeesyear recession has led to cutbacks inwell. Sit with them
and makeemployee benets. With companies What do employers need to
do sure everyone knows the terms ascutting back, theyve been even
lessto avoid errors and omissions? The well as the updates and
changeswilling to invest in strengtheningpanel advised ve basic
steps. First,needed along the way in case ofERISA compliance.make
sure you interpret all benetssuch changes as newborns, deaths,well
and master the terms andterminal conditions, disabilities,Yet
another part of the problem,timetables they impose.employee
terminations, and more.according to Ortiz, is that HR atREven
promotions sometimes triggermost companies is seen as a cost
upgrades in benets.center where the main priority is tokeep costs
down instead of making a Thi focus on records handling.ird,sure
employees are well assisted Its really clerical most of the time,
sat every turn.bbut this is the sort of thing thatcan come back to
haunt youIt keeps senior executives if not administered well,
saidfrom watching the details thatt Lugo.create the potential
liabilitiesethat later turn into higher e Fouurth, train, train and
train somecosts if not managed well, he more Make sure your team,
internale.said. Cost control can get veryrand external, knows what
itsmyopic. doing from the clerk up to the HRg, mana and even senior
executives.ager Five steps to preventionC nges in your team? Train
again. Chan R ember ERISA: the company is RemeOne of the puzzles of
thehliable for anyone with any degree ofeemployee benets conundrum
control and authority. tis the low incidence of lawsuitsPuerto Rico
has a high number ofin Puerto Rico, compared to the HR
professionals and administrativeFinally, buy a fail-safe
Employeestates. staff who simply nd ERISA too Benets Liability
policy to guardcomplicated, said Lugo. And theagainst any mistake
that gets awayThe issues are resolved Boricuatruth is that the law
is too full of from the renewed attention, trainingstyle, said Del
Campillo. Employers legal jargon thats hard to follow and and
controls.Its inexpensivetalk to insurance companies,interpret. So
every company needs to compared to other types of coverageeveryone
consults with their lawyers, simplify it for its HR personnel, so
HRand to the settlements it will helppayments are made, and life
goeswill then simplify it for all employees. you cover.on. Time
goes by, we keep going Otherwise, no one will interpretfrom renewal
to renewal almostparticularly well and mistakes will The policy is
no substitute forautomatically, and no one stops tocontinue to take
place. rigorous prevention, but its a greatll the gaps. complement,
said Ortiz.Among those who know the lawThe gaps, however, are
costly,well are the islands labor unions,Engagement CLevel | Spring
10as employers continually settle towhich represent mostly
governmentavoid lawsuits. It would be better workers. Quintana, who
representsThere is one additional approachfor all involved and far
less costlymanagement inlabor and that can be thrown into theto
learn the law and hire an expert employment litigation, can vouch
mix.See the management ofteam, added Quintana, adding thatfor that.
Union leaders know more employee benets, not so much as 20 17. C -
S TO R Ya defensive policy to avoid mistakes, costly settlements
and lawsuits,Ricardo Del Campillo but rather as a proactive tool to
enhance employee engagementMost of these mistakes arethe result of
ignorance of the law. and signicantly raise the level ofTheyre not
intentional or malicious. motivation, commitment and senseBut that
doesnt exempt companies of ownership at your company. from
liability. They need to learn the law and make the changes
necessary That is, to the extent an employee to prevent these
mistakes and feels cared for, guided and advised administer their
benets in an error- during the year (not just at renewal proof way.
time) if you put in place a humane process to follow the life of
each employee and tailor his or her benets along the way to t
changing circumstances you will Angie Lugo be loved even more as an
employer.This absolutely needs to behandled by an expert. Its
tooThis shouldnt be just aboutsensitive. It is challenging enough
avoiding a Laura and Paola debacle,to manage employee benets at a
but rather having Laura feel the company of our size that can hire
care that conscientious benetsthe experts, so imagine a small
management can project. Its because company without the expertise.
you care about her and want to see the benets you offer enhance her
life to deepen the sense of family at work not just manage them
merely as an administrative policy to prevent a settlement or
lawsuit. Reynaldo Quintana Unfortunately, these mistakes It is not
unlike Know Your Customer happen all the time. They simply laws in
the banking industry, whereremain under the radar and are not
terrorism fears moved the federalreported widely. Most law rms
government to force banks into delegate employee benets to the
gathering additional data about tax department, since employers
their customers. Smart bankers tend to focus more on the tax have
turned that to their advantage, breaks of employee benets than in
using Know Your Customers as a managing them free of mistakes. tool
to build closer relationships, instead of seeing it as a cumbersome
regulatory burden. The cry at those banks is: KYC is marketing,
notJulio Ortiz compliance. Since most companies in Puerto Rico are
too small, with fewer than Likewise with employee benets100
employees, they dont have the management. Why not see it
asresources to strengthen their HR21 part of your social
responsibility as department or subcontract an expert HR consulting
rm. Generally the topCLevel | Spring 10 employers, asks Lugo.
executive delegates HR to a non-expert at the company, who does the
best he Take it to that higher level, and or she can. And thats
where mistakes turn a potential crisis into soaringcan happen.
productivity and results. 18. TRAVEL SERVICES, INC. Special Events
DcorVIP ServicesTransportation Services Cultural ToursEco-Adventure
ActivitiesCorporate Social Responsibility Programs
EntertainmentDestinationTeambuilding EventsPuerto Rico Full Service
Airport Transfers Hospitality Desk Services Travel Services, Inc.
787.982.1200 [email protected]
www.destinationpuertorico.com 19. LEV EL AB OV EHe dreamed of
becoming a doctor.He ended up changing the world ofhealth and
spreading wellness habits amongSpanish-language citizens
everywhere.Driven by vocationR oberto Estrada dreamed of becoming a
doctorwholesale company with reps throughout Latin America, as a
kid growing up in Nicaragua. I dissected which he sold handsomely
in 1999. lizards for hobby, he recalls. Sure enough, when the time
came he enrolled in med school And then, suddenly, he was back.
Fate being thein Monterrey, Mexico, excited about the passion-lled
curious creature that it is, Estrada combined hiscareer he was
embarking upon. entrepreneurship with his love of health and
discovereda path that would lead him back into medicine.Until one
fateful class changed the course of his life.That day, the day he
had to deal with his rst deceasedWell, not medicine in the classic
doctor sense. Butcorpse right then and there he gured that
perhapsmedicine nonetheless. Estrada and a group of partnersbeing a
doctor was not the path for him.and health experts launched Dr.
Tango, an internetventure to create and provide Spanish-language
health-After much soul searching, he decided to follow inrelated
web content for information-starved consumers CLevel | Spring 10his
fathers footsteps and take up engineering, in histhroughout Latin
America. Tango is a cute referencecase chemical (dad was
electrical), later complementing to the popular Argentine dance,
meant as a symbol ofwith an M.A. in Business (Vanderbilt
University). all things Latin American. The entrepreneur in him led
to the launch of his ownThey managed to raise some venture capital,
as was thesuccessful business, a raw materials and paper products
norm for web ventures at the time, and away they went. 24 20. LEV
EL AB OV EProblem was, they caught the tail end of the internet one
special new client. Inspired by the content, Univision bubble, and
the bubble burst just as they launched. We Interactive Media struck
a deal with Dr. Tango for the didnt even get to go online, he told
C-Level during a production of HolaDoctor (holadoctor.com), a
website phone interview from his ofce in Atlanta.that goes well
beyond the content and consumer reach of MiDieta. Bold vision
HolaDoctor, slated for launch during the second quarter Still,
Estrada and partners would not let go, insisting of the year (not
yet online at press time), is described in on the wisdom of the
vision. Dr. Tango, they pledged, the launch release as the most
comprehensive Spanish- would one day become the dominant source of
Spanish-language health destination anywhere. Featuring language
web content for health-related matters a culturally appropriate
content, interactive health tools sort of WebMD for Latinos.and a
vast knowledge of health, wellness and insurance, HolaDoctor will
deliver an unprecedented service to the Undeterred, they continued
developing the content Hispanic user in the U.S. rich, thorough
content, created by some of the top minds in medicine. It became a
digital encyclopedia,HolaDoctor is one of the deals were banking on
complete with thousands of hyperlinks to relatedfor our future,
Estrada said, anticipating tremendous websites. traction from
Univisions position as the preeminent leader in U.S. Hispanic
media, with an integrated A few clients began purchasing the
content forplatform that spans TV stations, radio, their own sites,
mainly hospitals that neededcontinued on next page Spanish content
to attract Latino patients and keep them informed.The company was
also hired to produce those websites, not just supply the content,
as well as to provide the daily management and maintenance of the
sites, including English-language ones. English-to-Spanish
translation of health sites became yet another revenue stream.Word
spread and the business mushroomed, as Dr. Tango did indeed become
the lead player in Spanish-language web content for corporate and
government clients, instead of the companys own trailblazing site,
as had been the original vision.That dream would be realized later,
when Dr. Tango launched MiDieta.com, a full-feature site focused on
nutrition, exercise and weight loss.Obesity is one of the most
serious health issues facing Hispanics and Latin Americans, said
Estrada. 25 MiDieta is one way of contributing CLevel | Spring 10
to the solution. Hola, UnivisionMiDieta caught the attention of 21.
LEV EL AB OV Econtinued from previous page B-to-C channel to
distribute its content and accomplishinternet and mobile, and
reaches virtually the entireits mission, it remains just as focused
on growing the45-million-strong Hispanic population in the
statesgovernment and business-to-business segments.with one channel
or the other. For business clients, Dr. Tango has become a
one-stopOur business-to-consumer work will focus on shop for
web-driven multicultural health marketing,HolaDoctor from that
moment on, he added. Hea vision that goes well beyond content
production.expects the site to rule the Spanish-language health The
latter remains the cornerstone we remainspace, commanding
substantial advertising revenueprimarily a content producer and
distributor through With all that business, buzzand activity, Dr.
Tango hasaccomplished the goal it set foritself when it opened in
1999, thegoal it reaffirmed in the middle ofthe internet bubble
that nearlycrashed all hopes. The companyhas become the undisputed
leaderin Spanish-language health andwellness content and
services.from health-industry clients looking to target
thatMiDieta, HolaDoctor and our clients own websites market
segment.but the company has turned to marketing solutions as
additional revenue sources and to attract content-The wind behind
HolaDoctor is the growing concerndriven business.among Hispanics
and among citizens of all races andcreeds, for that matter with the
worsening state ofTranslation is still a source of signicant work,
evenour health and the urgent need for information to help though
Estrada is evaluating its future in the companyspeople take better
care of themselves. emerging mix of solutions. Dr. Tango is also
hired by corporate clients for the back-end design of wellnessIn
health circles, thats called wellness, the mix ofprograms for
employees and customers. The companysteps a person can take to
improve holistic health offers what it calls cultural wellness
appraisals, and itand prevent illness. What we want is for people
not sells access to its million-name database for marketingto get
sick, which is a lot better and less expensivecampaigns and health
maintenance programs. Makingthan spending so much time from doctor
to doctor, available bilingual health and wellness coachesexpressed
Estrada. represents yet another revenue sourceHe quotes government
gures showing that 93% of Then there are the special
behavior-change initiativesall health spending goes to the
treatment of illness,Estrada nds as fullling as anything the
company iswhile only 7% is destined to prevention and
wellness.doing. Done primarily with government entities, these
projects allow Dr. Tango to contribute its content andWe need to
reverse that ratio, and that represents an expertise to inuence
wellness-driven behavior in aimmense business opportunity from our
perspective,more direct wayasserted a condent Estrada. Most illness
is preventable, CLevel | Spring 10and our mission is to show the
Spanish-speaking world The biggest one is the World Banks
Conditional Cashhow to do that.Transfer Program, a sort of welfare
program for residents of developing countries. Participating
citizens receive Beyond contentcash (deposited directly into a
debit card account) only if they agree to change to preventive
behavior andAs the company launches HolaDoctor as the main health
management to exercise more, for example, 26 22. LEV EL AB OV E and
include fruitsand that are bankrupting health veggies in their
diet.care systems in the U.S. and throughout Latin America. The The
program has drawn best thing a person can do is millions of
participants in prevent it, but once you have 17 Latin American
countries.it, the challenge is to adopt Dr. Tangos role: to assess
healthy habits to manage it and the progress made bykeep it from
sending you in and participants, manage theout of doctors and
hospitals. programs database and provide orientation, theFateful
path latter stemming from the companys content.With all that
business, buzz and activity, Dr. Tango has This has become
incredibly accomplished the goal it set satisfying for all of us to
see for itself when it opened for the impact this is having
onbusiness in 1999, the goal people, especially those whoit
reafrmed in the middle enter the program for the of the internet
bubble that money and quickly convert nearly crashed all hopes. to
wellness as a habit when they realize the huge benetsThe company
has become to them and their families,the undisputed leader in
Estrada said, sounding againSpanish-language health and very much
like the doctor hewellness content and services, once dreamed of
becoming. changing the lives of untold citizens in countries around
Then theres the Florida State Department of Health the world. And
more so once HolaDoctor goes online and its anti-obesity program,
for which Dr. Tango and sweeps the marketplace. developed a robust
website that draws on MiDieta and includes a popular Nutrition
Center.For Estrada, the vision and the passion were reafrmed
following the recent passing of his father at 76 years of The
company was recently hired by Merck toage. conduct yet another
behavior-change project, this one working with 70 Hispanic
diabetics and clientsHe had become morbid obese, he recalled. A
rare of HEB Supermarkets, the biggest chain in Texas. Thepause
followed. I watched him as he aged and grew individuals are to
follow a healthy lifestyle to controlill. He had always been such a
disciplined person, so in their condition, and Dr. Tango is
following their every control of everything around him. But
starting in his step to report on and later promote the results so
that 40s, he became unable to control his weight, and it just other
Hispanic diabetics can follow suit and improvespun out of control.
So Ive seen up close the damage their lives.bad health habits can
cause.The treatment of diabetes has become one of theAnd now hes as
determined as ever to go deep into fastest-growing health care
costs in the system among his medical vocation, down this fateful
path life had in Latinos, revealed Estrada. It is one of the main
conditions store for him, and do something about it. MiDieta.com
caught the attention of one special new client. Inspired by
thecontent, Univision Interactive Media has struck a deal with Dr.
Tango for the CLevel | Spring 10production of HolaDoctor
(holadoctor.com), a website expected to sweep theU.S. Hispanic
market and attract substantial advertising revenue. 23. Hamburgers
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Guaynabo 787.731.2555 www.johndoes.com 24. LEV EL AB OV EFor most
people (even civil engineers), airport runwaysare simply roads
planes use to land and depart.For this married executive couple,
they becamea path to reaching new heights. Seventeen Days in
December. It sounds like theconstruction and repair is $500 per
minute.title of a blockbuster movie but is actually areal-life
episode of Precision 2000s latest airGuiomar Obregon and Carlos
Sanchez do not blink atfor the dramatic.the chance. More than ten
years in runway construction and repair, mostly at
Hartseld-Jackson, have given The scene is Dekalb-Peachtree Airport,
November them all the condence they need. Precision 2000,2009.
Atlantas second busiest airport a reliever to their rm, wins the
bid and off they go.Hartseld-Jackson International Airport, the
worldsbusiest faces a tough decision. It needs to rebuild
itsLeaner, fastermain 6,000-feet, 40-year-old runway and has only
twoalternatives: shut down the runway for about three Airport
runways must rank as one of the mostweeks and work 24/7 to get the
job done, or string demanding construction jobs around. Contractors
haveit along for more than two months working only atto work within
very strict parameters and deadlines,night. explained Obregon, who
as Precisions CEO is primarily in charge of the administrative and
nancial side of theThe decision: shut it down. But to minimize
thebusiness. Sanchez, the rms president, runs the eld.pain, PDK
(thats the airports travel code) needs a really,really fast
contractor with proven credentials in runway At Hartseld, for
example, most of the work mustconstruction, as there is zero room
for errors or delays.be done between 11:00 p.m. and 6:00 a.m., she
added, CLevel | Spring 10The runway has to be perfect on the rst
try.and many times those seven hours are barely enough to get the
job done, so we have to deploy all the meansTo screen out anyone
not condent enough to pull itavailable to save every possible
minute.off, as well as make sure the job gets done on time,
theairport imposes a whopping penalty of $1,300 for every Like
cutting-edge equipment and technology. Precisionminute of delay.
The typical penalty in airport runway uses volumetric concrete
mixers, specialized trucks that 30 25. LEV EL AB OV Ecarry the
sand, stone, all the information water and cement inavailable at
the ofce, s e p a ra t e c o m p a r t - said Obregon. ments and
mix on-site to precise specica- Its all part of Preci- tions
programmed intosions Enterprise Re- the trucks computer source
Planning (ERP) system.system, which inte-grates all componentsThis
saves a large of an assignment and amount of waste, since makes it
available to the concrete comes the decision makers. out ready to
use, in the exact volumes needed That includes such and with
superior Neither executive believes the Hispanic and woman-owned
label will mean much in practical terms goingthings as the food
quality, said Sanchez, forward, as the company has graduated into
the big leagues and is now able to compete head-to-head for and
supplies needed who met Obregon any-size project without the need
for minority preferences.for round-the-clock when both studied at
work, all the suppliers the Colombian School of Engineering in
their native who must join the project team, back-up systems
Colombia. Its also a lot faster.and equipment in case anything
should break down,blackout-proof power generation, lights for night
timeThe saved waste is critical on tight deadlines, given work,
even shift and sleep schedules to make sure the time and workers it
takes to keep a construction everyones available and well rested.
site as free of debris as possible. We minimize the mess and clean
constantly. Its important not to let the debrisThe latter, in turn,
keeps accidents to a minimum. accumulate, he added. One thing that
can throw off our timing is an accident,so we take every possible
prevention measure, addedAlso reducing time and waste are the
companys Sanchez. hydraulic hammers, which are able to break
concrete and rock faster and with less of a mess. Then there
Weather is a particularly daunting challenge, are the sci--sounding
robotic stations, computer- particularly since the fast drying of
concrete requires programmed equipment that delivers atter and
faster precise conditions. Regular construction jobs allow
topography and surface nishes.more exibility in terms of deadlines
and equipmentin case it should rain or if the temperature gets
cold,The human factor is also ne-tuned. Relentless he explained.
But we have to nish the job by 6:00 continuing education and
training produces engineers a.m. or else, so we go in with special
heaters and and personnel able to manage the most demanding
contingencies to make sure the concrete dries real fast.
constraints, and project managers are given unusual decision-making
leeway without going through otherYet another big concern is
airport security in this age channels.of terrorism fears. Our
people and equipment musthave all the required clearances, said
Sanchez. AfterIm available 24/7 when were working on the eld, so
many years working at these airports, weve built the but theyre
able to make most decisions on their own, trust to ease this
process, but for each job we still have said Sanchez.to go through
the system.By 6:00 a.m. or elseThat is also the case for quality
control, since the airports inspectors dont have much time to do
theirCLevel | Spring 10To facilitate eld decisions further, our
project check-ups before 6:00 a.m. So Precision managers can access
the companys server and usecontinued on next pageAt Hartsfield,
most of the work must be done between 11:00 p.m. and 6:00a.m., said
Precision 2000 CEO Guiomar Obregon. Many times, those sevenhours
are barely enough to get the job done, so we have to deploy all
themeans available to save every possible minute. 26. LEV EL AB OV
Econtinued from previous page hires a supplier to go through the
motions during the adding that the company will include military
basesjob and then provide the nal sign-off (checking mainly in its
plans. The rst overseas bid is underway at thethe readiness of the
concrete) minutes before deadline. Barranquilla Airport in
Colombia. Were more than ready Weve already done work at two
military bases here inGeorgia: Robins Air Force Base and Dobbins
Air ReserveIt is no wonder, therefore, that when the time came
Base, added Obregon. Both jobs went extremely well,to tackle the
Dekalb-Peachtree runway reconstruction, and we feel condent we can
land additional bases inPrecision was ready.the coming years.It
required tremen The company also hasdous planning, recalls its
sights set on non-Obregon.Nothingairport work. In fact,could be
left to chance. We had meeting after meeting 60% of revenues
currently come from such assignments,to go through all possible
contingencies and make surewith only 40% stemming from the sexier
airport jobs.we had everything we needed going in.Precision engages
in a wide range of municipal andSure enough, when the day arrived,
Precisions trucks,commercial projects, primarily having to do with
roadsequipment and personnel were outside the gate ready and
pavement, earth movement and erosion control,to attack this former
military airport. And attack they streetscaping and decorative
concrete, and waterdid. The 17-day PDK job was completed in record
time, infrastructure.several days ahead of schedule and comfortably
belowbudget. But if you thought the company was overwhelmingthe
competition by deploying its airport-tested speedThe stunning
success story is already helping Precision and planning advantages
in most commercial and CLevel | Spring 10open doors at other
airports, part of the companys municipal bids, think again.growth
strategy of penetrating markets throughout theU.S. Southeast and
overseas.Airport operators pay a premium for speed, sincetheir jobs
always have a strict deadline that require aWere more than ready,
said Sanchez condently, higher expense, explained Sanchez. Most
municipal 32 27. LEV EL AB OV Eand commercial owners, on the other
hand, are looking They married at the time and turned Precision
into a for the lowest bidder, and those jobs usually allow for
Hispanic- and woman-owned company, facilitating the a longer period
of time, so they dont require the more bid process further. Today,
the companys vision is to be expensive specialized equipment and
manpower we the largest Hispanic- and woman-owned construction have
for time-sensitive projects.company in America.To be sure,
Precisions precision planning and attack But while thats the stated
vision and remains a net mode provide a leg up, but the company
must go toe- plus in branding and marketing, neither executive
to-toe on other bid selection criteria. We do very wellbelieves the
Hispanic and woman thing will mean much in those bids, assured
Sanchez.in practical terms going forward, as the company hasHead to
head graduated into the big leagues and is now able to compete
head-to-head for any-size project without the Its a long way since
his days as a staff engineer at need for minority labels or
preferences. Hartseld-Jackson shortly after completing an M.S. in
Technology Management at the Georgia Institute of We have the
certications, but we dont use them Technology in Atlanta. It was
there that he learned most of the time, said Sanchez. Minority
set-asides are what it takes to succeed in runways and other
airport not what they used to be. Governments and companies
projects. require you to be extremely competitive. Just being a
minority company wont get you the deal, and less so if I spent a
lot of time with contractors, and they keptyoure bidding for a
large project. telling me I would do very well if I launched a
Hispanic- owned rm, since the airport and the government set Added
Obregon: Corporate America used to give aside a certain percentage
of all construction projects mainly small projects to Hispanic- and
woman-owned for Hispanic companies, and there wasnt any back then.
companies. We nd that if we go in without the label, Thats how we
got our start. we can more easily bid for the large deals. In the
case 33 of the government, its not even using set-asides with
CLevel | Spring 10 At the time, Obregon was laboring in nance at
athe federal stimulus money, even though the law said couple of
companies in Atlanta, having also obtained herthey would. So all in
all, were just out there competing advanced degree at GIT two of
them, actually: an MBAon a level playing eld with anyone. with a
focus on nance and an M.S. in Civil Engineering. Competing. And
winning. 28. [email protected] 29. NEX T LEV ELLas Vegas may be
the worlds kingegasof the tables, b the new V bl but hVegas-like
lkCasino Metro in San Juan is outplayingthe Nevada giant in the one
advantagedriving the industrys future F rom the moment you drive up
to the Casino Metro at the new Sheraton Convention Center Hotel in
Isla Grande and the valet parking attendant swipes your M Players
Club card as hetakes your keys, youre in the system.Swipe your card
when you sit at a slot machine, andit registers again. And when you
play a table, and orderfrom the bar, and when you wander about the
hoteland dine at one of its restaurants or purchase an item CLevel
| Spring 10at a shop. The highly networked system knows when you
arriveand when you leave, what you like and dont like, howoften you
visit and how much you spend each time,said John Enriquez, the
casinos information systems 36director. 30. NEX T LEV ELChris
Archundes marketing staff takes all that on their hands to make
sure you have the time of your information, runs it through
painstaking analytics andlife. tailors highly personalized offers,
which you receive by mail diligently at regular intervals. We have
what is clearly the most advanced and highly networked casino oor
and players club in North As an M Players Club member, thats
exactly what youAmerica, asserts Archunde, a ten-year veteran of
want them to do. Its one of the reasons you joined,much larger
Native American casinos in New Mexico. to swipe the card wherever
and whenever you can The system features a ber optic connection
straight and receive terric discounts, reward dollars and other to
the building, an unusual treat (see related story on benets.page
10), along with a reliance on wireless at an equally unusual
degree. The purpose behind the system is to enhance the players
experience, explainedIt is one of the reasons she Archunde, the
facilitys marketing became so excited about manager. It allows us
to know moving to Casino Metro and what our customers want to going
through the extensive do, so we can serve them betterrecruitment
and screening every time they visit.process. Its an
incredibleopportunity, to manage this Amen, you say. It is, in
fact, system, to try something the entire casino experience truly
new. A feather in her that draws fans the most, notcap, if you
will. just the reward dollars and club benets. And the ideaWinning
at CRM that youre a helpless gambler because youre a regular is In
a market like Puerto stereotype nonsense. You just Rico, not only
is the love the sheer entertainment. technology new; it is The
sound of hundreds of slot indispensable, explained machines and
great music. Enriquez, who also worked Having a few drinks and
someat Native American casinos, snacks at the bar while watchingbut
in his case along the your favorite sport. The hum of Mississippi
River. His last countless conversations. Trying one was a Choctaw
Nation your luck at a table or two and casino with a whopping
striking conversations of your5,000 slot machines and own. Being in
no hurry andIT Manager John Enriquez plays DJ, controlling the
entertainment on the casino112 tables. Casino Metro, letting the
hours go by.oor from this small control room where he can change
songs, colors and screen by contrast, has 422 slot content in a
snap.machines and 16 tables. Ill see you when my next offer comes
in the mail, you might be heard telling the door Casinos are not
allowed to advertise here, so the guard as you walk away. only way
we can draw customers is with the smart use of technology, he said.
Players respond to offers, and It is an entirely fresh way of
looking at the gamingthe more we can tailor those offers and give
players industry. As pure entertainment. Fans have known it what
they want, the more business well generate. for some time, as has
the industry itself. Chris and John 37 certainly know it, and they
have the most amazing toolcontinued on next page CLevel | Spring 10
We have an incredible team, all passionate about creating something
truly special at Casino Metro. Technology is only a part, concluded
Enriquez. The rest, the most important component, is our people.
31. NEX T LEV ELcontinued from previous page About 95% of the
casinos slot machine players areIts all about customer relationship
managementlocal residents; roughly 30% in the case of tables.
The(CRM), the high-tech marketing discipline that came of rest are
snowbirds (Americans who spend winters onage in the 1990s but that
few companies, gaming or the island), conventioneers and other
hotel guests. Thenot, have been able to deploy successfully.goal is
for 60% of this customer base to become M Players Club members.
Were at 40% now, Chris said.Thats because its really, really hard.
CRM depends,An impressive gure, considering the hotel and casinorst
and foremost, on gathering detailed information have only been open
three months.from and about customers, which itself is hard to
dounless you have a players club-like card that recordsCasino Metro
has an entire staff of expert CRMerseverything automatically. Most
companies rely insteadconstantly pouring over customer data,
doingon data entry. Then you must plug all that data into
segmentations, looking for opportunities and designingcomplex elds
in database software and put it throughindividually tailored
offers.robust segmentation analysis, so you can know whatoffers to
extend to whom, how to deliver them (mail, Each player is
different, she continued. In thisemail, phone or event) and with
what creative messageindustry, direct marketing truly is direct to
eachand design.person. Theres no other way to do it, particularly
in a market with no advertising where the only way toCasino Metros
CRM system, made by Bally market to customers is this
way.Technologies, is state of the art. Each piece of mail CLevel |
Spring 10delivered to a customer is personalized in six different
Neither does it help that the eight-mile radius aroundplaces,
beyond name and gender, and the system can Casino Metro is so full
of casinos, not to mention otherag and deliver up to 19 different
automated messagesentertainment choices.for such occasions as
birthdays and anniversaries.That is huge by industry standards, and
Casino Metro Its tough to compete against Plaza Las
Americas,achieves a 38% response to its mailings, also way aboveshe
added. There are lots of entertainment options in 38average. San
Juan. We have to nd a way to get people to fall 32. NEX T LEV ELIt
is an entirely fresh way of looking at the gaming industry. As pure
entertainment.Fans have known it for some time, as has the industry
itself. Chris and John certainlyknow it, and they have the most
amazing tool to make sure you have the time of yourlife. We have
the most advanced and highly networked casino floor and players
clubin North America, said Marketing Manager Chris Archunde. in
love with the gaming experience and keep coming surrounded by
screens, a different TV show (mostly back. sports) on each one. If
youre having a drink and wantto watch something in particular, the
bartender can put Vegas DJ it on for you. If you want to listen to
it, he pulls outspeakers just for you.Ah, the experience! Thats
what motivates Enriquez to get up every morning and get to work. He
fell inEnriquez reached under the bar, turned some knobs, love with
gaming IT in 1989, after spending two yearsand most lights in the
casino suddenly turned green, in the cashiers cage at the San Juan
Hotel casino inwith only one song heard throughout. This is a
signal Isla Verde. He moved into the IT Department and neverto the
staff. At this point, they get out in the middle of looked back.
the oor and do a dance to entertain our guests. I consider myself a
DJ, he said, as his eyes spannedWhile Enriquez controls the lights
and sounds of the casino oor, both arms extended wide as if ready
tothe oor, Chris creative team controls the content: embrace. All
these lights, the ones on the tables and which songs are played and
the graphics and messages slot machines, the lights in the bar, on
the walls, they all displayed on the screens. have to be just right
to create the mood customers like. The music we rely greatly on
music has to be justWe want people to feel like theyre in Las
Vegas, right as well: the choice of songs in the different
areasChris said. Thats the driver behind our oor design of the oor,
the volume levels and how the music mixes and entertainment
experience. 39 with the other sounds people are exposed to. All the
CLevel | Spring 10 sounds have to be in perfect balance. Then there
are And as in Vegas, the experience is about more than the video
screens. We have more plasmas and screenstechnology and
entertainment. We have an incredible than any other casino in
Puerto Rico. They enhance the team, all passionate about creating
something truly experience. special at Casino Metro. Technology is
only a part,concluded Enriquez. The rest, the most important He
walks over to the bar, a glitzy, cylindrical spot component, is our
people. 33. FINE L IV IN GThefountainof joyAn untrained eye sees a
beautiful housefull of collectibles. Pedro Muoz sees asanctuary, a
place to enjoy the raw creativegenius of some of the best art (and
cardesigns) in Puerto Rico and beyond. CLevel | Spring 10 42 34.
FINE L IV IN G T his began as a story about Pedro Muozs carI like
collecting works by local artists, but I also have collection.
Theyre parked next to one another in pieces by artists from other
countries, like Colombian his oversized home garage: 1967 Austin
Cooper,Omar Rayo. One of his works, an optical-illusion 2000 Mini
Cooper, 1966 Austin Healey, 1972 VW geometric design reminiscent of
the 1960s, is part of Beatle, 1982 Porsche 911 SC, and a 1992
Mercedes 500the Muoz collection. He discovered Rayos work and SL. A
second Mercedes (220 S dated 1958) was at the followed him for ten
years, looking for just the right shop. piece to purchase, before
choosing this one.As we got into the conversation, he told the
storyWellspring within behind other items he collects, many of them
on magnicent display in his home-museum. The latter His love of art
and other collectibles, it turns out, was was built, in fact, to
house the impressive collectionborn of his own impressive talent.
Some Pedro Muoz of paintings, sculptures, antiques and other ne
workspieces are also on display at his home, an eye-pleasing
distributed with exquisite taste throughout.array of paintings and
sculptures difcult to distinguish in artistic quality and visual
impact from all the others.The designer chairs are of particular
note, meant to be seen, not sat on. The architecture of the house,
withIt was then that the conversation took an even its central
glass-oor staircase, open atrium, museum-deeper turn. I guess you
could say that all artists share like columns, second-oor paintings
visible from below, an instinctive sensibility, a special eye, a
gift to create and stunning natural light, is itself a sight.
Additional things of beauty that others can then appreciate and
works of art adorn the exterior garden and terrace. fall in love
with. Its a creative inquietud (a mixtured of curiosity, passion
and restlessness) that moves us to The focus of the story then
turned to collections inlook for beauty and art in everything
designed by the general. He is particularly fond of three works of
art, human mind. starting with Paisaje en Fuego (Landscape on Fire)
by Puerto Rican artist Marimater ONeill. Yes, he added, he has his
own designs, but all artists also fall in love with and follow the
talent and works ofI rst saw the painting in the Puerto Rico
Pavillionothers. I love to visit museums and galleries and meet at
the 1992 Worlds Fair in Seville and fell in love with the artists
and have conversations with them. Theyre it, said Muoz, recalling
how he later bought theall special people. piece and at one point
loaned it for an exhibit of Latin American female artists held at
the Milwaukee ArtThis wellspring within, Museum. Paisaje en Fuego
the source behind the eye, was chosen for the cover All artists
share an instinctive a fountain of joy, if you of the event
brochure andwill, applies to anything mailer.sensibility, a special
eye, a gift to beautiful,includingcreate things of beauty that
others things not suited forThere it was, a piececan then
appreciate and fall in collecting. I love owers, of mine on the
cover oflove with. Its a creative inquietudand thats not something
a major exhibit. What a(a mixture of boundless curiosity,one can
collect. You cant feeling that was. Its one passion and
restlessness) thatcollect furniture, ceiling of the treats that
makes moves us to look for beauty and lamps, bathroom basins or
collecting so fullling.kitchen xtures, but many The fulllment is
greaterart in everything designed by the are designed as
artistically still, as it was in Milwaukee, human mind.as a
painting. when seeing Puerto Rican43 artists ranked among the very
best, as Marimater wasNeither can one collect buildings and homes,
andCLevel | Spring 10 among Latin American female painters at that
exhibit.yet behind their architecture lies some of the grandest
artistic talent to be found. Muoz should know. He Next to ONeill,
also on the second-oor balcony wall,holds a degree in architecture
and has since worked as was Gobernador de los Gobernadores
(Governor of s a general contractor building the designs created by
Governors) by Jose Morales, another ne Puerto Rican architects.
artist, exclaimed Muoz. continued on next page 35. FINE L IV IN
Gcontinued from previous pagehe said, opening and closing his hands
and wiggling hisHe seemed to savor the names of his favored ngers.
Im an artist. I work with my hands.international giants in
architecture as they rolled offhis tongue: Richard Meier, Frank
Gehry, SantiagoHe collects only European brands, which he says
carryCalatrava. He looked themgreater long-term value.up on YouTube
and we saw Some brands, like MercedesMeiers Jubilee Church inand
Volkswagen, are greatRome, Gehrys Guggenheim for collections, and
thenMuseum in Bilbao and only certain models evenCalatravas Palau
de las Artsamong those brands.in Valencia.The latest edition of For
most mere mortals, Hemmings Motor Newstheir work looks surreal, was
sitting on the table anda l m o s t i m a g i n a r y. F o rMuoz
opened it to provideMuoz, it is simply greata glimpse into the
collectibleness. Thats architecture,car market.he sighed. They are
inthemselves works of art. ItsYou have to do yourwhat makes them
touristresearch and be clear aboutattractions, because theyre what
you want to buy,like grand and awe-inspiring because there are so
manysculptures. options. Older cars or younger cars, exotic or
rare,Research, research,sport or muscle, vintage or researchnot. I
read, I go to shows its important to know whats out there when
youre inYou might say the same about cars. They dont havethe market
to buy collector cars.the grand size of buildings, of course, but
many aredesigned and built with artistic purpose. The same, he
said, applies to any collectible. Muozalso collects coins, stamps,
wrist watches and PuertoThats how I look at them, said Muoz. He is
theRican crafts. He would say again and again, it takesclassic car
collector: keeps the vehicles not to driveresearch. You have to
know what youre buying.them, but to look at them as one would look
at apainting. And to work on them with his own hands as Muoz keeps
his vehicles in his home garage, safeone would work on a
sculpture.from the weather and other risks. He drives them
onlyaround the neighborhood. They have to be drivenI love to take
them apart and put them back together, every so often. But no
shows, parades or exhibits. CLevel | Spring 10 Muoz keeps his
vehicles in his home garage, safe from the weather and other risks.
He drives them only around the neighborhood. They have to be driven
every so often. But no shows, parades or exhibits. 44 36. FINE L IV
IN GAs with everything he collects, it will be up to his heirs to
gure out what to do with it all upon Muozs passing, since he has no
plans to sell any of the cars, watches, coins, stamps, chairs,
antiques, crafts or works of art.Im not a speculator. I dont buy to
wait for the value to rise and then sell. I buy and collect to
enjoy. Period. Three of Muozs own works of art Next: photography
and part of his art collection.Muoz shares his passion with others
through his philanthropic work at the Museum of Contemporary Art in
Santurce and the School of Visual Arts in Old San Juan.In his role
as a member of MACs board of directors since the mid-1990s, Muoz
provides assistance and counsel to Puerto Rican artists. As part of
the Friends Committee at the School of Visual Arts, he donates and
raises funds to send aspiring artists to two signicant annual
events in Europe. Many of these artists have never been on a plane,
much less to Europe. Its the trip of a lifetime for them, said
Muoz. We want them to go over there, visit the sites and the
museums and simply take it all in. Thats how you grow as an artist.
Sure, were born with talent, but the talent has to be cultivated
and nurtured. You have to expose yourself, exhibit, meet others,
especially people who know more than you. Thats how you grow.Its
what Muoz plans to continue doing in his own role as an artist.
Next in line for him is a photography exhibit at Viotta Gallery in
San Patricio. He wouldnt give away the details on the photos to be
shown, except to say it will have Muoz is particularly fond of two
paintings by Puerto Rican artists. On the left, Paisaje en Fuego by
Marimater ONeill, and Gobernador de los Gobernadores by Jose
Morales. something to do with the 45 Puerto Rican identity, the
soul of the people. CLevel | Spring 10 Having gotten a glimpse of
the photographers soul, one thing is certain: the photos will no
doubt be worthy of collecting. For the pure joy of it. Muoz
discovered the work of Colombianpainter Omar Rayo and followed him
forten years before purchasing this piece forhis collection. 37.
FINE L IV IN G should be protected against the unforeseen. But make
sure you have the right policy.Pedro Muoz (previous story) is
enthralled with into the collector car market.his collector cars.
Hell die if any of them aredamaged or (God forbid!) stolen. So he
keeps Thats because this is such a specialized trade. Takethem
stored under safe cover. Takes them out the value of your prized
possession, for starters. Is yourfor rides seldom. Makes sure no
one comes too closeinsurance company willing to cover what its
worth inwhen he does drive them. Parks far from potentialthe
marketplace the amount you would receive wereswinging doors or
coconut trees that can put even theyou to sell your
vehicle?slightest scratch or dent on his babies. And doesntallow
anyone else to drive them. Regular cars command a price roughly
equal to the depreciated value, the same value recognized by
regularAll of which means a dramatically lower risk for his
insurance policies. Collector cars, by contrast, caninsurance
company and therefore dramatically lowerinsurance company and
therefore a dramatically lower fetch substantial sum as they become
appreciable fetch a substantial sum, as they become
appreciablepremiumpremium on his coverage about 60% less than the
his coverage about 60% less than theproperties that rise in value,
explained James Fiske, U.S. properties that rise in value,
explained James Fiske, U.S.insuranceinsurance he and everyone else
pays for regular carand everyone else y for regular car ygMarketing
Manage for Chubb Personal Insurance. Marketing Manager for Chubb
Personal Insuranceginsu a ceinsurance. That s why all collector car
policies worth looking Thats why all collector car policies worth
looking CLevel | Spring 10The trick knowing how to negotiate such
collectorThe trick is knowing how to negotiate such a collector at
are based on what is called an agreed value. You are based on what
is called an agreed value Youca insuranc h o n c mpan tc r
insurance, choosing a company that offers the rights ncenoffers the
r ghtffer tell the insurance company how much you think theelinsu
ance com a how uch you thin the nsur e oo ink p npolicies and
perhaps most importantly making surepolicies, and perhaps most
importantly, making surelove of your life worth usually based an
appraisal love of your life is worth, usually based on an
appraisal,your agent d ply understands you as t dee ld t dand your
agent validates the value using collector-cardt lid t th l i ll tLe
ea collector, shares your passion and isindustry guidelines. A
value is agreed upon, and thats Ultimately, the speed issue comes
down to character vs. horsepower. Thats 466why its so important for
us to be confident about who our customer is, sincethats what
drives the risk, said Chubbs James Fiske. 38. FINE L IV IN Gthe
amount you would receive if the car becomes the amount you would
receive if the car becomes amany cars you want.many cars as you
want. tota o total loss an emot onal de astation,, to be sure, but
at e otio a devastat ou least you recover what the car was really
worth. How the car is driven, when it is driven, is also abig deal.
Fiske shies away from cars with excessiveCharacter vs.
Horsepowerhorsepower, as they tend to be driven at high-risk
speedsthat insurance companies detest, particularly cars that Thats
but one aspect of collector car insurance.were restored or modied
to add the extra turbo. Some of the others are covered by our Pedro
example. Collector car policies generally require that the
vehicleFor such super cars as mega Ferraris and ultra be
hobby-driven that is, reserved for seldom or casual Lamborghinis,
Chubb offers driver education as part use. Daily or regular use
throws the car into a regularof its collector policy. We want to
make sure our policy, which is why most collector insurance
policies customers know what theyre getting into when they impose
an annual mileage limit.drive cars with that sort of horsepower.
Chubb, for one, does not. We trust our customers, And dont go near
a race track. Coverage is suspended Fiske told C-Level. We
understand the collector when a collector vehicle is driven or even
parked on a mentality and only insure when were condent andtrack,
he said. when the client has persuaded us that were
dealingUltimately, the speed issue comes down to character with the
sort of car enthusiast who will not use the vs. horsepower. Thats
why its so important for us to car for his daily routine. Want to
really persuade? be condent about who our customer is, since thats
Show off the hobby thing join a club, send your agentwhat drives
the risk. photos of your car in parades and exhibits, that sort of
thing, which as a collector you probably do anyway. Go Pedro!
Garage storage is also a must, more to protect against theft than
against the weather, even though the latter is a major risk you
will want to minimize, particularly in hurricane- and ood-prone
places like Florida and Puerto Rico Puerto Rico. If you want to
take your jewel to a European exhibition want take yewel to Europe
exhibition p o or on the road to ride with fellow enthusiasts
across the t o to ride ith fello t usiasts c oss t States, make
sure you notify your agent. Transport risk States, make sure you
notify your agent. Transport risk will likely addressed in your
policy Fiske: will likely be addressed in your policy Fiske: we
prefer prefer 47 a freight o example and you l ant air freight, for
example and you ll want to travel within eigh mrave with n vel t
CLevel | Spring 10 those parameters if you want your car be covered
those parameters if you want your car to be covered.v How many cars
can you insure? Typically more For insurance companies like Chubb
to cover your automobile collection, they must feelcondent you own
the cars for hobby and not for daily use. In the photo, Dorothy
Stoller, p than two. The risk math doesnt add up fo insurance h t d
p forChubb Personal Lines Manager and Assistant Vice President,
discusses a collectors account companies when its only one
automobile,, Fiske p ywith Rodolfo Vaupel, Senior Vice President of
Fulcro Insurance of Georgia, a brokerage rm e p e explained. Beyo
that, you can generally insure asyond t,a e e y su that represents
Chubb Southeast and other carriers. 39. FUN L IV IN GIts not the
flying.Its thedestination. Chacha Fournier, you might say, was born
on a plane, prin 10 CLevel | Spring 10 given her fathers legendary
passion. But what she developed was a passion for the islands. And
for helpingLevLe others become pilots. 48 40. FUN L IV IN GShe just
loves to get away. Pack up, gather theHer late father, well-known
San Juan attorney Jorgefamily (husband, four kids, mom, you know),
Ortiz Brunet, left six planes in his estate, but Chacha anddrive to
Isla Grande Airport and just go. the family sold them all upon his
passing in 2002. Shelater bought a Cessna 206, a single-engine six
seaterIts such a treat, sheknown as the SUV of says. To island hop,
or I know that passion very well, says the skies for its utility to
pick a spot and kick Chacha Fournier. I saw it in my nature. back.
Ah! The peace. Thefather and in many people. It burns silence,
interrupted onlyBut then her own by the serene sounds inside, like
all passions and dreams.family grew to four of waves, birds and a
Its about being one with the plane, children. The plane tropical
breeze. You canfeeling that unique sense of freedom became too
small, since even see the stars. Every that only comes from being
in the airwe usually take my one of them, it seems.and maneuvering
the aircraft. Its alsomom and other familymembers along, so weFor
me, thats what the challenge and skill of managingsold it. its all
about, said difficult turns, beating hard weather Old San Juan
resident and nailing a tough landing. One of the things she Chacha
Fournier.loved most about yingwith dad and family as a child, and
one of the reasons She says there are she decided to buy a plane
after selling dads, was not three types of airplane enthusiasts:
those who are having to wait for regular ights to the islands and
passionate about ying, the ones who dont y but ownmuch less for
ferries to Vieques and Culebra. a plane and hire a pilot, and
hobbyists like her who pilot their own planes as you would drive
your own car: as In fact, after 9/11 (2001), she says thats what
led to transport to take you somewhere fun. a boom in the purchase
of executive jets and privatepassenger aircraft in Puerto Rico.
People just do not Oh, its not that she doesnt get into the ying
itself. want to wait. Of course I do. Being a pilot is neat. Its
challenging. I particularly like taking off, when the plane
thrustsBurning passion backwards and you feel the pull and the
speed. Its an exhilarating moment. But when the plane takes ightIt
is Ortiz Brunet whom she credits with her love of and cruises, my
mind turns back to where were going ying/island-adventuring. He not
only t the rst of and what were going to do there. her three
passion categories; he was, she says, the mostpassionate aviator
she has ever met. For Chacha, that generally means the islands. Her
favorite: Anegada, 15 miles North of Virgin Gorda He was in love
with ying. He would y every day in the British Virgin Islands. It
is small, at, isolatedif he could. So you can imagine how often I
was in a (population 200) and surrounded by one of the worldsplane.
It became as normal as getting in a car. Going largest and longest
coral reefs. to the airport was as natural as going to school or
themall. Its part of the adventure, she says. Ah, yes, the
adventure. Thats what I nd thrilling about ying, the Her 9-year-old
son Emilio seems to have inherited the whole experience of getting
on a plane and going on an passion. He knew the names of plane
models before adventure somewhere.he learned to speak, says Chacha,
an attorney, just likeher dad. No line! 49Emilio practices with a
computer ight simulator and The only problem right now: she doesnt
have her will be taking classes as soon as hes able. CLevel |
Spring 10 own plane. Not any more, although she and her husband
(insurance executive Millo Fournier) plan on I know that passion
very well, she says. I saw it buying another one soon. For the
moment, she rents,in my father, I see it in Emilio and Ive seen it
in many both for the islands as well as to keep up with the
milespeople. It burns inside, like all passions and dreams. she
must y to hold on to her license. continued on next page 41. FUN L
IV IN G The family set up the Jorge Ortiz Brunet Aviation
Scholarship Fund to cover the cost of flight lessons for
InterAmerican University aviation students and allow them to
accumulate the miles they need to graduate and achieve their dream
of becoming pilots and flying high.continued from previous page
nancial aid covers the expensive ight lessons.Its about being one
with the plane, feeling that uniquesense of freedom that only comes
from being in the air The student and his family must carry that
burden,and maneuvering the aircraft. Its also the challengeand
oftentimes they cannot.and skill of managing difcult turns, beating
hardweather and nailing a tough landing. So Chacha and Millo, along
with her mother Mara San Miguel, set up the Jorge Ortiz Brunet
AviationScholarship Fund Scholarship Fund to cover the cost of
those lessons and allow students to accumulate the miles they need
toIt was this unique insight into that passion and graduate and
achieve their dream of becoming a pilotvocation that turned
aviation into a bigger cause forand ying high.Chacha and Millo.
Next, she explained, is a mechanism to follow theWe wanted to keep
my fathers legacy alive. He notstudents through to the end, until
they graduate andonly loved to y; he also lived to share that love,
to become licensed.help others discover ying. The family also wants
to extend the scholarship toWhat better way to keep that motor
running, they additional campuses, multiplying the number of
pilotsthought, than by helping aviation students achieve even
more.their dream and thus bloom dads vision into an island CLevel |
Spring 10full of pilots.Which means, of course, that not only will
these future pilots live their dream. They will be able to
helpThats when they approached InterAmerican University.others live
theirs: the dream of catching a plane quicklyThe institutions
Bayamon campus offers a degree into the islands and not having to
wait for a regular ightAviation Systems Management that includes
teaching or (God forbid) a ferry.students to become pilots, but
neither the school nor For information about the Scholarship Fund,
you may 50 call 787-754-7713. 42. PRIME COMMERCIAL & OFFICE
SPACE FOR LEASE MCS PLAZA 255 Ponce De Leon, Hato Rey Commercial
Space Ground Floor: 800-10,000 Sq. Ft. Office Space: 2,000 - 14,000
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