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Opinion

Editorial

We’ll probably never know how far the talks went between Wynn Resorts and MGM Resorts concerning the acquisition of the $2 billion casino in Everett supposedly ready to open any time now.

We’ll just say that we’re glad — and the state should be glad, and the city of Springfield should be glad, and Everett should be glad — that those talks are over, and that MGM will stand pat (yes, that’s an industry term) and not pursue that property.

Had those talks continued and a sale been forged … well, let’s just say we don’t want to go there. And, again, we’re glad the state doesn’t have to. The status quo is working quite well in Springfield, thank you, and if there’s one thing the state and its Gaming Commission don’t need to bring to the picture right now, is question marks — or more question marks, to be more precise.

In case you missed it — and it was hard to miss — word leaked that Wynn Resorts, which is now licensed to operate a casino in Everett under the Encore brand, was in what were called “very preliminary discussions” about a sale of that property to MGM.

Media outlets across the Commonwealth then printed stories laden with conjecture about whether the sale should take place and what might happen if it did. Most of those quoted blasted the concept and projected that it would create something approaching chaos at a time when the state needed just the opposite from its still-fledgling casino industry.

“This isn’t a Monopoly game,” former state Sen. Stanley Rosenberg, a key author of the state’s gaming law, told the Boston Globe as news of the talks broke, adding that a sale of the Boston property, which would force MGM to divest itself of the Springfield facility, was far from a slam dunk. Carlo DeMaria, mayor of Everett, went further, saying, “it’s not going to happen.”

Turns out he was right, because amid that wave of negative commentary and gloom-and-doom conjecture, MGM announced that it was playing the hand it was dealt.

Whether that’s the best move for company, we can’t say. But we can say it’s the best move for the state and this region.

MGM is a known commodity, but whichever entity would buy the Springfield casino is not, and while there are plenty of good casino operators out there, we don’t need an unknown commodity at this point.

Especially in Greater Springfield. Communities, businesses, nonprofits, and other constituencies have forged solid working relationships and partnerships with MGM. They haven’t forged them with a casino on Main Street, but instead with a company, one that has come to be a trusted stakeholder in this region.

So we’re glad MGM is not seeking potentially greener pastures in Boston.

But while this threat has passed, we have to wonder about how it materialized in the first place. The fact that Wynn Resorts fought a long, hard, very expensive battle to open a casino in Everett and then explored a sale just as it was set to cross the finish line is a head scratcher, to be sure.

But there is a lot we don’t know about this industry, and maybe a sale makes sense on some levels, especially if Wynn, which desperately wanted into the Massachusetts market, is now intent on getting out.

Just not a sale to MGM.

Now that MGM has backed away, it’s time for the Gaming Commission to determine whether Wynn is still the best fit for the Boston market, and if it isn’t, the state should find another player.

It’s also time to move forward with the next big order of business — sports gambling. As it did with gaming itself, the state is dragging its feet on sports gambling, losing revenue to neighboring Rhode Island with each day that passes.

Thankfully, the state, and Springfield, won’t have to deal with a change of ownership at the casino in Springfield’s South End.

Opinion

Opinion

By John Regan

As the Roman philosopher Seneca observed, “omni fine initium novum,” or, “every new beginning comes from the end of another.” 

As the Associated Industries of Massachusetts prepares to write a new and exciting chapter in its distinguished history, I am reminded at every moment of the wisdom, generosity, and quiet determination with which my predecessor, Rick Lord, has paved the road before me.

Rick never lost sight of where he came from, and he never forgot that trust and respect are the ultimate currency of public policy and service.

To the members of AIM and especially to the board of directors, I gratefully accept your commission to lead this organization, supporting the dreams and aspirations of Massachusetts employers. We must keep as our guiding principle the fact that economic growth remains the only effective method of achieving the social equity that makes our Commonwealth a great place to live and work.

There has never been a more pressing need for businesses to work together with the sort of common purpose that drove 28 visionary companies to create Associated Industries of Massachusetts 104 years ago. AIM welcomes all employers and dedicates itself to serving the needs of the full range of Massachusetts companies working to provide the hope of a better life to our friends and neighbors.

We remain committed to the principals of diversity, equity, and inclusion — on our board, on our staff, and throughout our membership. We assert unequivocally that AIM will be an association in the truest sense of the word, providing an opportunity for everyone — especially those who have historically been ignored — a full voice.

Everything we do at AIM is done to help businesses unlock their full potential. We fiercely advocate for positive public policy that helps to create a strong economy.

We empower businesses with the information, tools, and resources needed to successfully navigate a fast-paced, complex business world. We foster connections, networks, and the flow of ideas between people and businesses.

We believe that business can be a positive force for change in helping to create a better, more prosperous society. And the best part is, we’re just getting started.

This article is adapted from John Regan’s recent address at the Associated Industries of Massachusetts annual meeting, at which Regan stepped into the role of president and CEO.

Opinion

Opinion

By John Regan

Evidence from states that have imposed a surtax on incomes of more than $1 million shows that the policy causes irreparable harm to the economy while generating far less tax revenue than promised. A millionaires tax will cause the same harm in Massachusetts.

Lawmakers have refiled a proposal to amend the state Constitution to impose a graduated income tax, adding a 4% tax (representing an 80% increase in the personal income-tax rate) on all incomes over $1 million. The amendment would dictate that the revenue be spent on transportation and education.

A graduated income tax would eviscerate the small, family-owned businesses that form the heart of the Massachusetts economy. The surtax would take an estimated $2 billion from some 17,000 Main Street businesses and others that pay taxes at the individual rate and who would otherwise use the money to hire additional employers or expand their companies.

These companies are already drowning in more than $1.5 billion in new taxes and fees to pay for a financial shortfall in the Medicaid program and to fund the new paid family and medical leave program.

How do we know that surtaxes don’t work? Because our neighbors in Connecticut just drove their economy off a cliff by raising taxes three times in the past 10 years. Connecticut in 2009 added a 6.5% income-tax bracket for those earning more than $500,000 per year. The state followed up with a comprehensive $1.5 billion tax increase in 2011 to deal with a budget shortfall. A final round of tax increases took effect in 2015.

A graduated income tax would eviscerate the small, family-owned businesses that form the heart of the Massachusetts economy. The surtax would take an estimated $2 billion from some 17,000 Main Street businesses and others that pay taxes at the individual rate and who would otherwise use the money to hire additional employers or expand their companies.

According to information compiled by Pew Charitable Trusts, tax revenue for all 50 states is averaging 6.3% higher than it was at the start of the 2008 recession. Connecticut tax revenue, on the other hand, is only 3.8% higher, despite the three tax increases.

Once the economic heavyweight of New England, Connecticut is the only state in the nation which has yet to recover the jobs lost during the economic downturn. In addition, the state has seen an outmigration of residents since 2013 and the loss of major financial investors. Data from the Internal Revenue Service showed a spike in residents earning more than $200,000 per year leaving the state in 2015, and studies conducted by Connecticut state agencies and commissions have confirmed the loss of higher-income residents to other states.

Income-surtax laws have failed in other states as well. Within three years of Maryland enacting its millionaire tax, 40% of the state’s seven-figure earners were gone from the tax rolls — and so was $1.7 billion from the state tax base.

Similarly, in 2010, Boston College researchers released a report on the migration of wealthy households to and from New Jersey. They concluded that wealthier New Jersey households did in fact consider the high-earner taxes when deciding whether to move to or remain in New Jersey. From 1999 to 2003 — before the millionaires tax was imposed — there was a net influx of $98 billion in household wealth into the state. After the tax was implemented, an increasing number of wealthy families left the state, resulting in a loss of $70 billion in wealth.

Many of the business owners who fled Connecticut, Maryland and New Jersey moved to states that have worked to reduce, rather than boost, taxes, including North Carolina, New Hampshire, Georgia, and Tennessee.

John Regan is executive vice president of Government Affairs for Associated Industries of Massachusetts.

Opinion

Opinion

‘How are they doing?’

That’s the question that seemingly everyone is asking these days, with the ‘they’ obviously being MGM Springfield, the $960 million resort casino complex in Springfield’s South End. Everyone wants to know how they’re doing because this is the biggest business development in this part of the state in who knows how long, the expectations were and are sky-high, and the stakes — for MGM, the state, the city, and the region — are equally high.

And people want to know because, well, it’s not clear just how well they’re doing so far. The revenue numbers, meaning GGR (gross gambling revenues), are not on pace to come close to what MGM told the state they would be for the first year of operation at this facility — just over $400 million. Indeed, over the first six months or so of operation, MGM Springfield was averaging just over $20 million per month. You can do the math.

But beyond the revenues, there are other signs that perhaps this casino is not performing as well as all or most us thought it would and hope it will.

Going all the way back to opening day, the traffic, the lines to get in, the crowds of people downtown just haven’t materialized. Yes, there have been some big days (usually Saturday nights) when it’s difficult to maneuver around downtown Springfield, but not as many as we were led to believe.

Thus the question, ‘how are they doing?’

It’s a difficult question to answer because there are many ways to answer it, and aside from those really qualified to answer that query, no one truly knows.

More to the point, and Mike Mathis said this to BusinessWest for a recent interview, it’s still early in the game when it comes to both gaming in Massachusetts and MGM Springfield, and perhaps much too early to be drawing conclusions about how MGM will fare even this year, let alone in the years to come.

He’s right. These early months can tell us something about how MGM Springfield is going to perform over the long term, but they’re not going to tell us everything. Several of these first months have come in late fall and winter, a typically slow period in this region for both business and tourism.

Meanwhile, MGM Springfield is still very much in the process of trying to figure out what works in this market and what doesn’t, and how to achieve maximum efficiency for this multi-faceted operation. Mathis and others at MGM call this period ‘ramping up,’ and they project it might take three years to get all the way up the ramp.

But there are many reasons for optimism, starting with a change of season and the likelihood that MGM will make far better use of its vast and unique outdoor facilities. There’s also the emerging ROAR! Comedy Club and a multi-year partnership agreement recently inked with the Boston Red Sox that will make MGM Springfield the team’s ‘official and exclusive resort casino’ (replacing Foxwoods in Connecticut) and home to its January Winter Weekend.

Finally, when it comes to the ‘how are they doing?’ question, the most important aspect of the answer relates not to revenues for the state‚ although those are important, but impact on the city of Springfield and the surrounding region.

In the years and then months leading up to the casino’s opening, area officials — and those of us at BusinessWest — said MGM was going to be big piece of the puzzle, not the entire picture. It was going to be a big contributor to the overall vibrancy in the region, but just one of many potential contributors.

Overall, we expected the casino to be a catalyst, not a cure-all, a force that would help put Springfield on the map and help bring people to that spot that on the map.

Maybe all the revenues are not as solid as we hoped they would be, but thus far, the casino is doing most everything we anticipated it might do.

Opinion

Opinion

 By Associated Industries of Massachusetts

Late winter and early spring is high workplace gambling season. College basketball’s March Madness playoff brackets mean many workers will be talking about, gambling on, and even watching the games at work. 

What does workplace gambling look like? Betting pools, online betting, cellphone calls, and texting are some of the common methods employees use to gamble during the workday. All this may lead to a significant reduction in job performance by some employees.

On the other hand, many employers regard employee gambling as a harmless distraction that creates a little excitement, a diversion from the humdrum of the long winter and workday routines. Most employees treat it as a lark that, win or lose, will not impact them very much. In most workplaces, the single-pool proceeds are relatively small dollars, ranging anywhere from a couple of hundred dollars to perhaps a few thousand.

That said, workplace gambling is a big deal and likely to get bigger. The American Gaming Assoc. estimates that employees may bet up to $10 billion alone on the college basketball tournament. And, by the way, sports betting remains illegal in Massachusetts. 

If you are concerned about workplace gambling or feel that your current policies are insufficient, here are some questions to consider:

• Does gambling disrupt the workplace? Is the gambling behavior interfering with production? Are arguments between employees over games and gambling taking place? Is bad blood festering over unpaid debts? Is there a spike in wallet or purse thefts among co-workers? 

• Are you seeing betting take up an unreasonable amount of work time? Are workers leaving their work stations throughout the day to discuss gambling? Are they gathering during work time to discuss betting options?

• Are gambling employees asking co-workers or the company for loans on wages or from 401Ks, or are there delays in repaying debts? 

• Are your supervisors running the gambling pool, raising disparate treatment issues across the business?

If the answer to any of these questions is yes, you may want to consider establishing a gambling policy.

There are a number of options:

• Adopt a no-gambling policy. Define gambling or the type of behavior that is restricted. Employers are free to establish such a policy. The key factor, as always, will be how consistently will it be enforced by your supervisors.

• Determine what constitutes appropriate disciplinary action against any employee who violates the policy.

• Consider adopting a limited no-gambling policy. One method would be to prohibit gambling above a certain dollar figure or value. Such a policy would recognize that small-stakes gambling such as a few dollars or a lunch is reasonable and will be tolerated even though it remains illegal under state law. The problem — will employees disclose they are doing it? There is also the question of determining what is a reasonable dollar value threshold and how to enforce it.

While it is unlikely any company would face any serious civil or criminal liability for a small-time gambling pool, if its operation makes some employees feel uncomfortable, it may make sense to end the practice as soon as you become aware of it, or before it gets going. Whatever policy you choose to adopt, make sure it is one that is enforceable for your workplace. 

Opinion

Opinion

By Katie Holahan

Healthcare spending in Massachusetts grew less than a key state benchmark and less than the national average during 2017, but employers and workers are not yet seeing the benefits.

The annual Healthcare Cost Trends Report issued this month by the state Health Policy Commission (HPC) indicates that total per-capita healthcare expenditures in Massachusetts rose 1.6% during 2016, significantly less than the 3.6% benchmark set by the commission. The Massachusetts growth rate also fell below the national rate — 3.1% — for the eighth consecutive year.

But the health-insurance premiums paid by Massachusetts employers and employees increased 5.8% in 2017, leaving the average total premium for employer-based coverage among the highest in the country at $21,000 per year for a family plan and $7,000 for a single employee. These figures do not include out-of-pocket spending such as co-payments and deductible spending, which grew 5.9% in 2017 for commercially insured enrollees.

Premiums for smaller employers increased 6.9% and are now the second-highest in the country, according to the HPC. Fifty-seven percent of employees in small businesses are enrolled in high-deductible health plans.

Part of the reason employers are not seeing more benefit from moderating health spending may be the fact that commercial insurers in Massachusetts pay higher prices to providers than Medicare pays for the same services. For hospital inpatient care, average prices among the three largest Massachusetts insurers were 57% higher than Medicare prices for similar patients. Commercial insurers also paid much more for typical outpatient services, including brain MRIs, emergency-department visits, and physician office visits.

Premiums for smaller employers increased 6.9% and are now the second-highest in the country, according to the HPC. Fifty-seven percent of employees in small businesses are enrolled in high-deductible health plans.

The HPC attributed much of the overall increase health-care expenditures to spending on prescription drugs (4.1%) and hospital outpatient services (4.9%). The commission also found that medical bills can vary as much as 30% from one hospital or medical group to another with no measurable different in quality of care.

The HPC makes 11 policy recommendations to continue health spending moderation. Among the highlights:

• The Commonwealth should focus on reducing unnecessary utilization and increasing the provision of coordinated care in high-value, low-cost settings.

• Policymakers should advance specific, data-driven interventions to address the pressing issue of continued provider price variation in the coming year.

• The Commonwealth should continue to promote the increased adoption of alternative payment methods.

• The Commonwealth should authorize the Executive Office of Health and Human Services to establish a process that allows for a rigorous review of certain high-cost drugs, increasing the ability of MassHealth to negotiate directly with drug manufacturers for additional supplemental rebates and outcomes-based contracts, and increasing public transparency and public oversight for pharmaceutical manufacturers, medical-device companies, and pharmacy benefit managers.

Katie Holahan is vice president of Government Affairs for Associated Industries of Massachusetts.

Opinion

Editorial

Just over a decade ago, BusinessWest launched a new recognition program, Difference Makers. And in many ways, the past 10 years have been a celebration of the many different ways groups and individuals can make a difference in their community, and this region as a whole.

Indeed, those making their way to the podium at the Log Cabin Banquet & Meeting House in Holyoke have included a sheriff of Hampden County, a police chief in Holyoke, the president of UMass Amherst, the founder of Rays of Hope, the director of Junior Achievement, the co-founder of Link to Libraries, the creators of Valley Venture Mentors … the list goes on.

And this year’s additions to that list  provide still more evidence that there are countless ways to make a difference, and they all need to be celebrated:

• Let’s start with the Food Bank of Western Massachusetts. This Hatfield-based agency, launched in the early ’80s, is a Difference Maker on many levels, from the 11.6 million pounds of food and 9.6 million meals it provides to area shelters and soup kitchens, to its Coalition to End Hunger, which is raising awareness of the problem, attacking the stigma attached to it, and advocating for those in need. For almost 40 years, the Food Bank has been answering the call.

• The same is true of Joe Peters, a businessman who has always had an influence that has extended far beyond the walls of Universal Plastics. It has extended across Chicopee, the city he grew up and still lives in today, with initiatives such as the so-called ‘sandwich ministry,’ a program he helped start to feed the homeless in that city. And it has extended all the way to Guayape, Honduras, where he helped bring a new ambulance to that hurricane-ravaged village. He has always looked for new ways to step in and change lives for the better.

• As has Peter Gagliardi, the long-time president and CEO of Way Finders. He has spent the past 45 years working in the broad realm of housing and the past quarter-century at Way Finders, where he has greatly expanded the mission and, while doing so, has changed lives and helped change the course of entire neighborhoods through the power of collaboration.

• Frederick and Marjorie Hurst have always been catalysts for positive change within their community, especially through the newsmagazine they created called An African American Point of View, a name that speaks volumes about its mission and importance to the community. It blends community news with often-unsparing commentary, and speaks with a powerful voice, just like its founders.

• The Springfield Museums, as a cultural institution, is a different kind of Difference Maker. For more than 160 years, it has helped bring art, science, history, and memories to visitors from across this region and far outside it, a mission that entered a new dimension with the opening of the Amazing World of Dr. Seuss Museum in 2017. Collectively, the Museums have helped put Springfield on the map and make it far more of a destination.

• Meanwhile, Carla Cosenzi, co-president of the TommyCar Auto Group, has found her own ways to make a difference. First, as a successful business owner and, therefore, role model and mentor to many young women. But also has a warrior in the battle against cancer, the disease that claimed the life of her father, through the Tommy Cosenzi Driving for the Cure Golf Tournament.

As we said, there are no limits on the ways that an individual or group can make a difference here in Western Massachusetts, or in Guayape, Honduras for that matter. That’s what we’ve been celebrating for the past decade, and the celebration continues with the class of 2019.

Opinion

Opinion

By Tom Flanagan

Burnout among the nation’s physicians has become so pervasive that a new paper published by the Harvard T.H. Chan School of Public Health, the Harvard Global Health Institute, the Massachusetts Medical Society, and the Massachusetts Health and Hospital Assoc. has deemed the condition a public health crisis.

In a 2018 survey conducted by Merritt-Hawkins, 78% of physicians surveyed said they experience some symptoms of professional burnout.

The paper includes directives aimed at curbing the prevalence of burnout among physicians and other care providers, including the appointment of an executive-level chief wellness officer at every major healthcare organization, proactive mental-health treatment and support for caregivers experiencing burnout, and improvements to the efficiency of electronic health records. 

In a 2018 survey conducted by Merritt-Hawkins, 78% of physicians surveyed said they experience some symptoms of professional burnout. Burnout is a syndrome involving one or more of emotional exhaustion, depersonalization, and diminished sense of personal accomplishment. Physicians experiencing burnout are more likely than their peers to reduce their work hours or exit their profession. 

“The issue of burnout is something we take incredibly seriously because physician wellbeing is linked to providing quality care and favorable outcomes for our patients,” said Dr. Alain Chaoui, a practicing family physician and president of the Massachusetts Medical Society.  “We need our healthcare institutions to recognize burnout at the highest level and to take active steps to survey physicians for burnout and then identify and implement solutions. We need to take better care of our doctors and all caregivers so that they can continue to take the best care of us.” 

By 2025, the U.S. Department of Health and Human Services predicts that there will be a nationwide shortage of nearly 90,000 physicians, many driven away from medicine or out of practice because of the effects of burnout. Further complicating matters is the cost an employer must incur to recruit and replace a physician, estimated at between $500,000 and $1,000.000.

The growth in poorly designed digital health records and quality metrics has required that physicians spend more and more time on tasks that don’t directly benefit patients, contributing to a growing epidemic of physician burnout,” said Dr. Ashish Jha, a Veterans Affairs physician and Harvard faculty member. “There is simply no way to achieve the goal of improving healthcare while those on the front lines — our physicians — are experiencing an epidemic of burnout due to the conflicting demands of their work. We need to identify and share innovative best practices to support doctors in fulfilling their mission to care for patients.” 

The full report is available at www.massmed.org.

Tom Flanagan is Media Relations manager for the Massachusetts Medical Society.

Opinion

Opinion

By Rick Lord

Associated Industries of Massachusetts (AIM) and its 4,000 member companies last week called upon the Legislature and Gov. Charlie Baker to end to the two-year assessment imposed on employers last year to close a financial gap at the state’s MassHealth insurance program for low-income residents.

AIM believes the assessment is no longer necessary because employers last year paid tens of millions of dollars more than anticipated under the levy. Businesses are on track to contribute some $519 million by the time the assessment sunsets at the end of this year instead of the $400 million envisioned under the 2017 legislation.

At the same time, enrollment in MassHealth has fallen as the Baker administration has initiated steps to ensure that only people eligible for benefits receive them. And state tax collections have exceeded targets over the past several months, putting the state on firmer financial footing.

“The conditions that led to the imposition of the surcharge no longer exist. Employers who have paid hundreds of millions of dollars in assessments believe it is fair to look at ending the surcharge in year two,” said John Regan, Executive Vice President of Government Affairs at AIM.

The Legislature passed the assessment in July 2017 minus a set of structural reforms proposed by Gov. Baker to place the MassHealth/Medicaid program on a firm financial footing. The assessment fell most heavily upon companies in which employees elect to use MassHealth rather than the employer-sponsored health plan.

An existing assessment called the employer medical assistance contribution increased from $51 to $77 per employee. Employers also were required to pay up to $750 for each worker who receives public health benefits.

Employers may request a waiver from the fees if they prove a hardship. Of 246 such waiver requests, administration officials said they have allowed 99.

Gov. Baker originally proposed a $2,000-per-employee assessment upon companies at which at least 80% of full-time worker equivalents did not take the company’s offer of health insurance, and that did not make a minimum contribution of a $4,950 annual contribution for each full-time worker. That proposal encountered significant opposition from the business community.

AIM member employers are proud to lead the nation in providing healthcare coverage to their employees. Sixty-five percent of Bay State companies offer health-insurance coverage to their workers, compared with 56% of employers nationwide. A full 100% of Massachusetts employers with 200 or more employees offer coverage. 

Employers stand ready to work with policymakers to make long-term structural reforms to both the MassHealth program and the commercial insurance markets to make the financing of healthcare for Massachusetts residents sustainable.

Rick Lord is president and CEO of Associated Industries of Massachusetts.

Opinion

Editorial

UMass Football has a new coach — now former Florida State Offensive Coordinator Walt Bell.

What the program doesn’t have, at least from our vantage point, is a clear path out of what seems to be some very thick weeds. Indeed, the program, which moved into what’s known as the FSB, the Division 1 Football Bowl Subdivision, in 2012, seems to be mired in quicksand, with poor records, seemingly poor support from fans, and a distinct lack of any light at the end of the tunnel.

A new coach might help, but we believe the problems run deeper than that — deep enough to prompt discussion about whether this move to the FSB can someday achieve the lofty goals set years ago.

And that’s where we need to start, with those goals.

They were broad, and included a winning program that would bring prestige, revenue, and perhaps even some top-shelf students to the campus in Amherst.

Thus far, the move to the FSB has achieved little if any of that. On the revenue side, for example, after losing money in 2016 and 2015, university athletics finished in the black in 2017, to the tune of roughly $500,000. But those numbers pale in comparison to the major football powerhouses, and as expenses continue to rise, we wonder how long university athletics, and especially the football program, can operate in the black.

Meanwhile, far from attracting new fans, the program seems to be alienating alums and supporters, first by playing home games at Gillette stadium (a strategy that was thankfully shelved, for the most part), and then by putting together schedules of games against opponents that no one knows or cares about.

Indeed, as a member of the Mid-America conference for a few seasons, UMass played the likes of Buffalo, Bowling Green, Central Michigan, Toledo, and Akron. And, now, as an independent after leaving the MAC in 2015, the Minutemen play teams like Charlotte, Georgia Southern, Liberty, and Florida Atlantic. None of these teams resonate with alums and residents of the region, and they won’t, even if UMass plays them for the next 20 years.

Yes, Georgia, Boston College, and Brigham Young University were on this year’s schedule (BYU was even a home game), but the respective scores were 66-7, 55-21, and 35-16.

OK, this is not a sports publication, and this bit of commentary is not about how bad the UMass defense was. Well, maybe it’s a little about that, and the defense was really bad, giving up almost 43 points a game.

No, it’s a business publication, and in most all respects, UMass football isn’t a sport, it’s a business — a business that has yet to find its way and probably needs a new strategic plan, in addition to a new CEO (head coach).

But determining which direction to go in is difficult. One can make a logical case that maybe the best course for the university is to go back down a division and put some traditional, or at least geographic, rivalries back on the schedule — teams like New Hampshire, Rhode Island, Maine, and maybe Harvard and Holy Cross, if those schools are so inclined.

But going backward isn’t an appealing option.

Still, going forward at this pace doesn’t appear to make sense, either. To really be successful within the FSB, the school will have to continue to make the huge investments in facilities needed to attract top players.

And we wonder out loud whether it will be worth it. After all, the school continues to rise in the USA Today rankings and overall prestige as a research university, and it would be very fair to say that none of that upward movement has anything whatsoever to do with the football program.

Like we said, UMass football has a new coach. What is doesn’t appear to have is a sense of direction regarding the future.

It’s definitely time to get one.