Job Title:Licensed Insurance Agent, P&C (Remote)Job DescriptionThe Licensed Insurance Agent, works from home and interfaces with customers via inbound/outbound calls and/or via the Internet. In this position you represent a leading Property & Casualty client assisting members with their insurance related needs. Examples include: Inquiries addressing various types of billing, property and casualty policies, resolving questions and issues, demonstrating accuracy in processing changes. All while providing a positive and welcoming experience to members, being empathetic and answering their inquiries thoroughly and professionally. (Military veterans are encouraged to apply.) ***PLEASE INCLUDE CURRENT/ACTIVE LICENSE AND NPN NUMBER*****Must have an active resident license to sell P&C insurance**English and Bilingual Spanish/English encouraged to apply.The Licensed Property & Casualty Insurance Agent interfaces with customers via inbound/outbound calls and/or via the Internet. This position provides customer service support and resolution of routine problems and questions regarding client products and/or services. (Military veterans are encouraged to apply.)A NEW CAREER POWERED BY YOUAre you looking for a career change with a forward-thinking global organization that nurtures a true people-first, inclusive culture and a genuine sense of belonging Would you like to join a company that earns “World’s Best Workplaces,” “Happiest Employees,” and “Best Companies for Career Growth” awards every year Then a Licensed Property & Casualty Insurance Agent position at Concentrix is just the right place for you!As a Licensed Property & Casualty Insurance Agent, you’ll join an organically diverse team from 70+ countries where ALL members contribute and support each other’s success and well-being, proudly united as “game-changers.” Together, we help the world’s best-known brands improve their businesses through exceptional customer experiences and tech-powered innovation. And due to continued growth, we’re looking for more talented people to join our purpose, people as passionate about providing outstanding customer experiences as we are.CAREER GROWTH AND PERSONAL DEVELOPMENTThis is a great opportunity to reimagine an all-new career journey and develop “friends for life” at the same time. We’ll give you all the training, technologies, and continuing support you’ll need to succeed. Plus, at Concentrix, there’s real career (and personal) growth potential. In fact, about 80% of our managers and leaders have been promoted from within! That’s why we offer a range of FREE Learning and Leadership Development programs designed to set you on your way to the kind of career you’ve always envisioned.WHAT YOU WILL DO IN THIS ROLE As a Licensed Property & Casualty Insurance Agent, you’ll work from home and:Be efficient in navigating multiple systems.Actively listen and ask questions to identify customer needs.Advise on plan options, coverages, and pricing.Process new and/or amended enrollments.Ensure our clients’ customers enjoy authentic experiences.Deliver expert customer experienceswith a smile.YOUR QUALIFICATIONSYour skills, integrity, knowledge, and genuine compassion will deliver value and success with every customer interaction. Other qualifications for our Licensed Property & Casualty Insurance Agent role include:1 + years of customer service experienceActive resident license to sell P&C insuranceVerifiable High school diploma or GEDBasic computer navigation skills and PC knowledgeProficiency in fast-paced multi-taskingEagerness to learn new technologiesPassion for helping othersPatient and empathetic natureAbility to pass a backgroundMust reside in the United States or have a valid U.S. address for residenceWHAT’S IN IT FOR YOUOne of our company’s Culture Beliefs says, “We champion our people.” That’s why we significantly invest in our game-changers, our infrastructure, and our capabilities to ensure long-term success for both our teams and our customers. And we’ll invest in YOU to aid in your career path and in your personal development. In this role, you’ll also be provided with:$18.00 an hour entire length of training: English$20.00 an hour entire length of training: SpanishShift differential once in production for evening and weekend hours.Paid training (Classroom: 6 Weeks and Transition: 7 Weeks)and performance-based incentivesLucrative employee referral bonus opportunitiesCompany networking opportunities with organized groups in the following topics: Network of Women, Black Professionals, LGBTQ+ Pride, Ability (Disabilities), Dynamic ((Neurodiversity), Women in Tech, OneEarth Champions, and more401K with company match; paid PTO and holidays; medical, dental, and vision insurance; and a comprehensive Employee Assistance Program (EAP)Health and wellness programs with trained partners to help promote a healthy youMentorship programs that support your rewarding career journeyPrograms and events that support diversity, equity, and inclusion, as well as global citizenship, sustainability, and community supportCelebrations for Concentrix Day, Team Appreciation Day, Customer Service Week, World Clean Up Day, #MyOneEarthPromise, and moreA range of other perks and benefitsREIMAGINE THE BEST VERSION OF YOU! If all this feels like the perfect next step in your career journey, we want to hear from you. Apply today and discover why over 440,000 game-changers around the globe call Concentrix their “employer of choice.”Disclaimer The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel working within this job title.Concentrix is an equal opportunity employer. Concentrix evaluates qualified applicants without regard to race, color, religion, gender, national origin, age, sexual orientation, gender identity or expression, protected veteran status, disability status or any other legally protected characteristic.Location:USA, OH, Work-at-HomeLanguage Requirements:Time Type:Full time Physical & Mental Requirements: While performing the duties of this job, the employee is regularly required to operate a computer, keyboard, telephone, headset, and other office equipment. Work is generally sedentary in nature.If you are a California resident, by submitting your information, you acknowledge that you have read and have access to the Job Applicant Privacy Notice for California ResidentsEligibility to Work:In accordance with federal law, only applicants who are legally authorized to work in the United States will be considered for this position.Must reside in the United States or have a valid U.S. address for residence.Where Job May be Performed:Currently, this position may be performed only in the states listed here.Concentrix is an Equal Opportunity/Affirmative Action Employer including Disabled/Vets.For more information regarding your EEO rights as an applicant, please visit the following websites: •English•SpanishTo request a reasonable accommodation please click here.If you wish to review the Affirmative Action Plan, please click here.

About the RoleIn this role, you will deliver excellent customer service in point of sale and customer services processes while focusing on consistent execution and operational efficiency. You will deliver speed of service transactions while creating a compelling customer experience.What You’ll DoEngage customers by greeting them and offering assistance with products and services, operate a cash register, scan items, bag merchandise and properly handle different methods of paymentAccurately and efficiently execute point of sale and customer service standards based on company guidelines providing courteous, friendly, fast and efficient serviceMeet or exceed individual goals (e.g., credit, loyalty)Support inventory accuracy through accurate completion of all required point of sale and merchandise disposition practicesSupport the training process for new hires on the service team, including teaching process best practices, proper point of sale procedures, using available tools and resources while meeting Kohl’s brand standards Participate in daily service processes (e.g., register and cash balancing, change orders, replenish supplies)All associate roles at Kohl’s are responsible for:Acting with integrity, honesty and fostering teamwork in an engaged and inclusive cultureExercising good judgment and discernment when making decisions; taking appropriate partners as neededDemonstrating a customer service mindset, anticipating customer needs and satisfactorily resolving issuesAccomplishing multiple tasks within established timeframesFollowing company policies, procedures, standards and guidelinesMaintaining adherence to company safety policies for the safety of all associates and customersReceiving, understanding and proactively responding to direction from supervisors/managers and other company personnelOther responsibilities as assignedWhat Skills You HaveRequiredExcellent customer service skills and ability to multi-task with strong attention to detailVerbal/written communication and interpersonal skillsNo retail experience requiredMust be 16 years of age or olderFlexible availability, including days, nights, weekends, and holidaysPreferredClient facing retail or service industry experiencePay Starts At: $13.00

Description: Milton Hershey School (MHS) is one of the world's best private schools, where students in pre-K through 12th grade from disadvantaged backgrounds receive an exceptional career-focused education with housing, meals, and moreand all costs are covered. Thanks to the generosity of Milton and Catherine Hershey, who founded the school in 1909, the school is fully endowed and has the resources to ensure both students and staff are provided everything they need to thrive. MHS is hiring married couples to become flex houseparents. Flex houseparents are couples who reside in on-campus student homes, guiding and nurturing a group of approximately 8-12 students. Flex houseparents provide a consistent family-like structure for students and handle responsibilities such as driving, administering medication, budgeting, reporting, etc. When initially hired, flex houseparents cover different student homes before being assigned to one specific home. Benefits ·Salary of $43,825 per person (a total compensation package of approx. $150,000 per couple which includes free housing, meals while on duty, utilities, and more) ·Comprehensive benefits: medical, dental, and vision insurance; health savings and flexible spending accounts; life insurance; disability options; retirement savings ·Relocation assistance and paid training provided ·Schedule of nine days on followed by three days off. Workdays include a period of personal time while students are at school ·Three-week paid summer vacationQualifications: ·Experience working or volunteering with youth, preferably from under-served settings ·This is a two-person job for couples who have been legally married for at least two years ·Both spouses should be age 27 or older ·No more than three dependent children may reside in the student home ·Abide by a smoke-free and weapon-free campus. No alcohol is permitted while on duty ·Limitations on pets. Only fish and one dog of approved breeds is permitted ·Valid driver’s license; ability to become certified to drive student home vans ·Couples must be comfortable leading students in daily devotions and take students to Judeo-Christian Sunday chapel services (Note: Proselytizing is prohibited) ·High school diploma or GED required ·Must be able to lift up to 50 lbs. ·Candidates must demonstrate a high degree of integrity as all staff are role models for students. ·Both spouses must complete an individual employment application This is a unique career path that takes consideration and commitment from both spouses. If you have any specific questions before or after applying, please reach out to our recruitment team at .

Description: Milton Hershey School (MHS) is one of the world's best private schools, where students in pre-K through 12th grade from disadvantaged backgrounds receive an exceptional career-focused education with housing, meals, and moreand all costs are covered. Thanks to the generosity of Milton and Catherine Hershey, who founded the school in 1909, the school is fully endowed and has the resources to ensure both students and staff are provided everything they need to thrive. MHS is hiring married couples to become flex houseparents. Flex houseparents are couples who reside in on-campus student homes, guiding and nurturing a group of approximately 8-12 students. Flex houseparents provide a consistent family-like structure for students and handle responsibilities such as driving, administering medication, budgeting, reporting, etc. When initially hired, flex houseparents cover different student homes before being assigned to one specific home. Benefits ·Salary of $43,825 per person (a total compensation package of approx. $150,000 per couple which includes free housing, meals while on duty, utilities, and more) ·Comprehensive benefits: medical, dental, and vision insurance; health savings and flexible spending accounts; life insurance; disability options; retirement savings ·Relocation assistance and paid training provided ·Schedule of nine days on followed by three days off. Workdays include a period of personal time while students are at school ·Three-week paid summer vacationQualifications: ·Experience working or volunteering with youth, preferably from under-served settings ·This is a two-person job for couples who have been legally married for at least two years ·Both spouses should be age 27 or older ·No more than three dependent children may reside in the student home ·Abide by a smoke-free and weapon-free campus. No alcohol is permitted while on duty ·Limitations on pets. Only fish and one dog of approved breeds is permitted ·Valid driver’s license; ability to become certified to drive student home vans ·Couples must be comfortable leading students in daily devotions and take students to Judeo-Christian Sunday chapel services (Note: Proselytizing is prohibited) ·High school diploma or GED required ·Must be able to lift up to 50 lbs. ·Candidates must demonstrate a high degree of integrity as all staff are role models for students. ·Both spouses must complete an individual employment application This is a unique career path that takes consideration and commitment from both spouses. If you have any specific questions before or after applying, please reach out to our recruitment team at .

Description: Milton Hershey School (MHS) is one of the world's best private schools, where students in pre-K through 12th grade from disadvantaged backgrounds receive an exceptional career-focused education with housing, meals, and moreand all costs are covered. Thanks to the generosity of Milton and Catherine Hershey, who founded the school in 1909, the school is fully endowed and has the resources to ensure both students and staff are provided everything they need to thrive. MHS is hiring married couples to become flex houseparents. Flex houseparents are couples who reside in on-campus student homes, guiding and nurturing a group of approximately 8-12 students. Flex houseparents provide a consistent family-like structure for students and handle responsibilities such as driving, administering medication, budgeting, reporting, etc. When initially hired, flex houseparents cover different student homes before being assigned to one specific home. Benefits ·Salary of $43,825 per person (a total compensation package of approx. $150,000 per couple which includes free housing, meals while on duty, utilities, and more) ·Comprehensive benefits: medical, dental, and vision insurance; health savings and flexible spending accounts; life insurance; disability options; retirement savings ·Relocation assistance and paid training provided ·Schedule of nine days on followed by three days off. Workdays include a period of personal time while students are at school ·Three-week paid summer vacationQualifications: ·Experience working or volunteering with youth, preferably from under-served settings ·This is a two-person job for couples who have been legally married for at least two years ·Both spouses should be age 27 or older ·No more than three dependent children may reside in the student home ·Abide by a smoke-free and weapon-free campus. No alcohol is permitted while on duty ·Limitations on pets. Only fish and one dog of approved breeds is permitted ·Valid driver’s license; ability to become certified to drive student home vans ·Couples must be comfortable leading students in daily devotions and take students to Judeo-Christian Sunday chapel services (Note: Proselytizing is prohibited) ·High school diploma or GED required ·Must be able to lift up to 50 lbs. ·Candidates must demonstrate a high degree of integrity as all staff are role models for students. ·Both spouses must complete an individual employment application This is a unique career path that takes consideration and commitment from both spouses. If you have any specific questions before or after applying, please reach out to our recruitment team at .

Description: Milton Hershey School (MHS) is one of the world's best private schools, where students in pre-K through 12th grade from disadvantaged backgrounds receive an exceptional career-focused education with housing, meals, and moreand all costs are covered. Thanks to the generosity of Milton and Catherine Hershey, who founded the school in 1909, the school is fully endowed and has the resources to ensure both students and staff are provided everything they need to thrive. MHS is hiring married couples to become flex houseparents. Flex houseparents are couples who reside in on-campus student homes, guiding and nurturing a group of approximately 8-12 students. Flex houseparents provide a consistent family-like structure for students and handle responsibilities such as driving, administering medication, budgeting, reporting, etc. When initially hired, flex houseparents cover different student homes before being assigned to one specific home. Benefits ·Salary of $43,825 per person (a total compensation package of approx. $150,000 per couple which includes free housing, meals while on duty, utilities, and more) ·Comprehensive benefits: medical, dental, and vision insurance; health savings and flexible spending accounts; life insurance; disability options; retirement savings ·Relocation assistance and paid training provided ·Schedule of nine days on followed by three days off. Workdays include a period of personal time while students are at school ·Three-week paid summer vacationQualifications: ·Experience working or volunteering with youth, preferably from under-served settings ·This is a two-person job for couples who have been legally married for at least two years ·Both spouses should be age 27 or older ·No more than three dependent children may reside in the student home ·Abide by a smoke-free and weapon-free campus. No alcohol is permitted while on duty ·Limitations on pets. Only fish and one dog of approved breeds is permitted ·Valid driver’s license; ability to become certified to drive student home vans ·Couples must be comfortable leading students in daily devotions and take students to Judeo-Christian Sunday chapel services (Note: Proselytizing is prohibited) ·High school diploma or GED required ·Must be able to lift up to 50 lbs. ·Candidates must demonstrate a high degree of integrity as all staff are role models for students. ·Both spouses must complete an individual employment application This is a unique career path that takes consideration and commitment from both spouses. If you have any specific questions before or after applying, please reach out to our recruitment team at .

Description: Milton Hershey School (MHS) is one of the world's best private schools, where students in pre-K through 12th grade from disadvantaged backgrounds receive an exceptional career-focused education with housing, meals, and moreand all costs are covered. Thanks to the generosity of Milton and Catherine Hershey, who founded the school in 1909, the school is fully endowed and has the resources to ensure both students and staff are provided everything they need to thrive. MHS is hiring married couples to become flex houseparents. Flex houseparents are couples who reside in on-campus student homes, guiding and nurturing a group of approximately 8-12 students. Flex houseparents provide a consistent family-like structure for students and handle responsibilities such as driving, administering medication, budgeting, reporting, etc. When initially hired, flex houseparents cover different student homes before being assigned to one specific home. Benefits ·Salary of $43,825 per person (a total compensation package of approx. $150,000 per couple which includes free housing, meals while on duty, utilities, and more) ·Comprehensive benefits: medical, dental, and vision insurance; health savings and flexible spending accounts; life insurance; disability options; retirement savings ·Relocation assistance and paid training provided ·Schedule of nine days on followed by three days off. Workdays include a period of personal time while students are at school ·Three-week paid summer vacationQualifications: ·Experience working or volunteering with youth, preferably from under-served settings ·This is a two-person job for couples who have been legally married for at least two years ·Both spouses should be age 27 or older ·No more than three dependent children may reside in the student home ·Abide by a smoke-free and weapon-free campus. No alcohol is permitted while on duty ·Limitations on pets. Only fish and one dog of approved breeds is permitted ·Valid driver’s license; ability to become certified to drive student home vans ·Couples must be comfortable leading students in daily devotions and take students to Judeo-Christian Sunday chapel services (Note: Proselytizing is prohibited) ·High school diploma or GED required ·Must be able to lift up to 50 lbs. ·Candidates must demonstrate a high degree of integrity as all staff are role models for students. ·Both spouses must complete an individual employment application This is a unique career path that takes consideration and commitment from both spouses. If you have any specific questions before or after applying, please reach out to our recruitment team at .

Overview: Become an After-Hours Hospice RN with Georgia Hospice CareWhere it's not just a job, It's a Calling!At Georgia Hospice Carewe know work/life balance should be a top priority for all our nurses! We’re committed to caring for our patients as we would care for our own families! Do you value the time you spend with your patients Is it important to you that every patient and family we serve feels that YOU are present and with them We are looking for compassionate registered nurses to join our TEAM who are committed to creating meaningful experiences for our patients and their families!As a registered nurse at Georgia Hospice Care, you’ll be a voice for your patients, all while communicating with everyone involved in the plan of care-the patient, the patient’s family, and the hospice care team. You’ll serve as the patient advocate being able to ensure every patient receives the quality care they deserve. After-Hours Hospice RNs are salaried full-time positions to cover on call after hours from 5pm on Friday to 8am Monday morning. You will be fully supported by our 24/7 RN staffed Triage Department alongside your local hospice team.And just like all our valuable team members, our RNs have access to Georgia Hospice Care’s supportive leadership team and professional development opportunities with plenty of room for advancement.We’re Offering Even More Great Benefits When You Join Our Family!Tuition ReimbursementImmediate Access to Paid Time OffEmployee Referral Program Bonus EligibilityMatching 401KAnnual Merit IncreasesYears of Service Award BonusesPet InsuranceFinancial and Legal Assistance ProgramMental Health and Counseling ProgramsDental and Orthodontic CoverageVision InsuranceHealth Care with Low Premiums$500 Matching Health Savings AccountShort-term and Long-term DisabilityVirgin Pulse Wellness ProgramFertility Assistance ProgramAbout Georgia Hospice CareA leading hospice and palliative care provider in Georgia, Georgia Hospice Care is dedicated to serving patients and families with love and delivering the highest quality care. With a career at Georgia Hospice Care, you’ll not only have the opportunity to use your skills to make a real difference, but you’ll also be part of an inclusive, respectful work environment filled with peers who have answered the call to care for others.Our Company MissionGeorgia Hospice Care’s mission is to serve with love, providing comfort and support through compassionate care and meaningful experiences. For our team members, these aren’t empty words. In every interaction, no matter how big or small, we’re dedicated to providing a superior experience for patients facing life-limiting illnesses and their families. Qualifications: A heart to serve patients and families and a passion for providing the best possible careEducation: Graduate of an accredited school of nursing with a current state license as a registered nurse Experience: 2+ years of nursing experience in a clinical care setting (hospice experience preferred) Required: Reliable transportation. Ability to sit, stand, bend, move intermittently and lift at least 25 lbs and bear the weight of an average adult effectively We’ve worked hard to build a caring culture of integrity, communication, diversity and positive experiences, and we’d love for you to join our team. *Pay is determined by years of experience and location.

Overview: Become a Weeknight On-Call RN with Georgia Hospice CareDo you value the time you spend with your patients Is it important to you that your patients and their families know and feel that you are with them We are looking for registered nurses who are committed to creating meaningful patient experiences. As a registered nurse at Georgia Hospice Care, you’ll evaluate patients and create care plans, all while communicating with everyone involved the patient, the patient’s family, and the care team. You’ll serve as the driver of our care team to ensure every patient receives quality care. Weeknight On Call RNs are salaried full-time to cover on-call hours of 5 pm - 8 am Monday, Tuesday, Wednesday, Thursday and ending on Friday at 8 am, working alongside our 24/7 365 RN staffed triage department. If and when called upon you will see patients during your working hours. And just like all of our team members, our RNs have access to Georgia Hospice Care’s supportive leadership team and professional development opportunities with plenty of room for advancement.There are Benefits to Joining the Georgia Hospice Care Team!Tuition ReimbursementImmediate Access to Paid Time OffEmployee Referral Program Bonus EligibilityMatching 401KAnnual Merit IncreasesYears of Service Award BonusesPet InsuranceFinancial and Legal Assistance ProgramMental Health and Counseling ProgramsDental and Orthodontic CoverageVision InsuranceHealth Care with Low Premiums$500 Matching Health Savings AccountShort-term and Long-term DisabilityVirgin Pulse Wellness ProgramFertility Assistance ProgramAbout Georgia Hospice CareA leading hospice and palliative care provider in Georgia, Georgia Hospice Care is dedicated to serving patients and families with love and delivering the highest quality care. With a career at Georgia Hospice Care, you’ll not only have the opportunity to use your skills to make a real difference, but you’ll also be part of an inclusive, respectful work environment filled with peers who have answered the call to care for others.Our Company MissionGeorgia Hospice Care’s mission is to serve with love, providing comfort and support through compassionate care and meaningful experiences. For our team members, these aren’t empty words. In every interaction, no matter how big or small, we’re dedicated to providing a superior experience for patients facing life-limiting illnesses and their families. Qualifications: A heart to serve patients and families and a passion for providing the best possible careEducation: Graduate of an accredited school of nursing with a current state license as a registered nurse Experience: 2+ years of nursing experience in a clinical care setting (hospice experience preferred) Required: Reliable transportation. Ability to sit, stand, bend, move intermittently and lift at least 25 lbs and bear the weight of an average adult effectively We’ve worked hard to build a caring culture of integrity, communication, diversity and positive experiences, and we’d love for you to join our team. *Pay is determined by years of experience and location.

Overview: Become a Weeknight On-Call RN with Georgia Hospice CareDo you value the time you spend with your patients Is it important to you that your patients and their families know and feel that you are with them We are looking for registered nurses who are committed to creating meaningful patient experiences. As a registered nurse at Georgia Hospice Care, you’ll evaluate patients and create care plans, all while communicating with everyone involved the patient, the patient’s family, and the care team. You’ll serve as the driver of our care team to ensure every patient receives quality care. Weeknight On Call RNs are salaried full-time to cover on-call hours of 5 pm - 8 am Monday, Tuesday, Wednesday, Thursday and ending on Friday at 8 am, working alongside our 24/7 365 RN staffed triage department. If and when called upon you will see patients during your working hours. And just like all of our team members, our RNs have access to Georgia Hospice Care’s supportive leadership team and professional development opportunities with plenty of room for advancement.There are Benefits to Joining the Georgia Hospice Care Team!Tuition ReimbursementImmediate Access to Paid Time OffEmployee Referral Program Bonus EligibilityMatching 401KAnnual Merit IncreasesYears of Service Award BonusesPet InsuranceFinancial and Legal Assistance ProgramMental Health and Counseling ProgramsDental and Orthodontic CoverageVision InsuranceHealth Care with Low Premiums$500 Matching Health Savings AccountShort-term and Long-term DisabilityVirgin Pulse Wellness ProgramFertility Assistance ProgramAbout Georgia Hospice CareA leading hospice and palliative care provider in Georgia, Georgia Hospice Care is dedicated to serving patients and families with love and delivering the highest quality care. With a career at Georgia Hospice Care, you’ll not only have the opportunity to use your skills to make a real difference, but you’ll also be part of an inclusive, respectful work environment filled with peers who have answered the call to care for others.Our Company MissionGeorgia Hospice Care’s mission is to serve with love, providing comfort and support through compassionate care and meaningful experiences. For our team members, these aren’t empty words. In every interaction, no matter how big or small, we’re dedicated to providing a superior experience for patients facing life-limiting illnesses and their families. Qualifications: A heart to serve patients and families and a passion for providing the best possible careEducation: Graduate of an accredited school of nursing with a current state license as a registered nurse Experience: 2+ years of nursing experience in a clinical care setting (hospice experience preferred) Required: Reliable transportation. Ability to sit, stand, bend, move intermittently and lift at least 25 lbs and bear the weight of an average adult effectively We’ve worked hard to build a caring culture of integrity, communication, diversity and positive experiences, and we’d love for you to join our team. *Pay is determined by years of experience and location.