Job Title: Credit Collections Specialist I Location: Batesville, IN. HYBRID (3 days onsite, 2 days remote) Pay Rate: $22/Hr. Responsibilities: • Complete daily activities as prioritized by GetPaid • Contact customers on delinquent accounts for resolution and payment and record all activities in GetPaid notes. • Understand customer profiles and their related sensitivities. • Communicate account delinquency information to respective Sales personnel as outlined by the standard collections and escalation process • Resolve unidentified payments that have been assigned to the account. • Resolve within the prescribed time frame those AIR related Dispute that have been assigned to the account. • Review credit limit and risk issues with the Credit Supervisor and make recommendations regarding limits, terms, and risk category. • Maintain daily Pending Order and On-Hold reports. • Issue requests for refunds of cash on account or credit memos as needed. • Review Dispute documentation provided by cash application or the customer, and assign the Dispute to the appropriate internal owner. • Enter note into Get Paid and provide sufficient information to the owner. • Contact customers regarding unidentified Disputes, determine the reason, secure additional documentation as needed and assign those to the proper owners. • Contact internal owners for resolution of Disputes that are not being cleared on a timely basis. • Work with internal departments (Pricing, Customer Service, Marketing, Sales) to research, provide support in obtaining additional information, and assist in payment if due. • Manage the Dispute (GetPaid) email box, ensuring that the email is forwarded to the proper individual/ team, if it is not for work that is completed by the team • Identify repetitive issues and communicate those to the proper owners to facilitate root cause analysis and cure. • Develop strong working knowledge of customer base and company organizational structure. • Support the training and process improvement effort. • Participate in the performance review process. • Achieve past due percentage and DSO related goals. • Escalated problematic accounts to the collections supervisor with an explanation of the issues and request assistance • Support the training and process improvement effort.Required Experience: Must have Microsoft Office backgroundMust have some Accounts Receivable ERP experience(if not the ones listed).Must be comfortable communicating with customers directly by phone. • Bachelors degree or equivalent work experience. • 2 years of successful experience in commercial collections. • Proficient in using JOE and GetPaid preferred. • Proficient in using Microsoft Office suite. • Experience in Collections process improvements. • Excellent customer communication skills with high proficiency in speaking and writing the local business language. • High level ability to influence and negotiate. • Excellent problem solving, and customer service skills. • Functional knowledge of the accounts receivable and collections processes. • Highly organized with strong follow-up, documentation, and multitasking skills. • Results driven with a dynamic personality. • Ability to handle stressful situations and meet strict deadlines. • Adaptable to new ideas and ways of accomplishing tasks • Ability to work in a team environment If this is a role that interests you and you’d like to learn more, click apply now and a recruiter will be in touch with you to discuss this great opportunity. We look forward to speaking with you! About ManpowerGroup, Parent Company of:Manpower, Experis, Talent Solutions, and Jefferson Wells ManpowerGroup® (NYSE: MAN), the leading global workforce solutions company, helps organizations transform in a fast-changing world of work by sourcing, assessing, developing, and managing the talent that enables them to win. We develop innovative solutions for hundreds of thousands of organizations every year, providing them with skilled talent while finding meaningful, sustainable employment for millions of people across a wide range of industries and skills. Our expert family of brands –Manpower, Experis, Talent Solutions, and Jefferson Wells– creates substantial value for candidates and clients across more than 75 countries and territories and has done so for over 70 years. We are recognized consistently for our diversity - as a best place to work for Women, Inclusion, Equality and Disability and in 2022 ManpowerGroup was named one of the World's Most Ethical Companies for the 13th year - all confirming our position as the brand of choice for in-demand talent.

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 .

Speech Pathologist Career Opportunity Hiring for Full Time, Part Time and PRN positions Welcome to Encompass Health: Where Compassion Meets Speech TherapyAre you searching for a career that aligns with your passion and brings fulfillment close to home At Encompass Health, we greet you like an old friend, fostering a sense of belonging right from the beginning. Imagine the chance to make a profound difference in your community by providing essential therapy and unwavering support to patients. Join our team as a Speech Pathologist and become a pivotal figure in assisting patients in overcoming speech and communication challenges. You'll find a supportive environment where small victories create monumental impacts and where you'll have access to cutting-edge technology while working for the nation's largest rehabilitation company. If this resonates with you, you're in the perfect place to make a meaningful impact. A Glimpse into Our WorldWhether you're beginning your career or a seasoned Speech Pathologist looking for a nurturing environment to call home, we're confident you'll feel the difference the moment you join our team. Being a part of Encompass Health means being a part of a growing national inpatient rehabilitation leader. We take pride in our career growth opportunities and the collaborative spirit of our team members, united for the greater good of our patients. Our recognitions, including being named one of the "World's Most Admired Companies" and receiving the Fortune 100 Best Companies to Work For® Award, make us immensely proud. Benefits That Begin With YouOur benefits are designed to support your well-being and start on day one:Affordable medical, dental, and vision plans for both full-time and part-time employees and their families.Generous paid time off that accrues over time.Tuition reimbursement and continuous education opportunities for your professional growth.Company-matching 401(k) and employee stock purchase plans, securing your financial future.Flexible spending and health savings accounts tailored to your unique needs.A vibrant community of individuals who are passionate about what they do. Embrace Your Role as a Speech PathologistYour impactful journey involves:Evaluating, assessing, developing, and administering personalized treatment plans for patients with speech and language rehabilitation needs.Identifying issues and modifying speech therapy treatment if necessary.Tracking and documenting patient performance, progress, and response to treatment.Celebrating patient victories along the way. QualificationsCurrent licensure or certification required by state regulations.Successful completion of SLP Certification of Clinical Competence (CCC).CPR certification required or must be obtained within 30 days of hire.Master's degree preferred, or Bachelor's degree with field experience. The Encompass Health WayWe proudly set the standard in care by leading with empathy, doing what's right, focusing on the positive, and standing stronger together. Encompass Health is a trusted leader in post-acute care with over 150 nationwide locations and a team of 36,000 exceptional individuals and growing!At Encompass Health, we celebrate and welcome diversity in our inclusive culture. We provide equal employment opportunities regardless of race, ethnicity, gender, sexual orientation, gender identity or expression, religion, national origin, color, creed, age, mental or physical disability, or any other protected classification.We're looking forward to meeting you, and we truly mean that. Join our family, and let's make a positive impact together!

Speech Pathologist Career Opportunity Hiring for Full Time, Part Time and PRN positions Welcome to Encompass Health: Where Compassion Meets Speech TherapyAre you searching for a career that aligns with your passion and brings fulfillment close to home At Encompass Health, we greet you like an old friend, fostering a sense of belonging right from the beginning. Imagine the chance to make a profound difference in your community by providing essential therapy and unwavering support to patients. Join our team as a Speech Pathologist and become a pivotal figure in assisting patients in overcoming speech and communication challenges. You'll find a supportive environment where small victories create monumental impacts and where you'll have access to cutting-edge technology while working for the nation's largest rehabilitation company. If this resonates with you, you're in the perfect place to make a meaningful impact. A Glimpse into Our WorldWhether you're beginning your career or a seasoned Speech Pathologist looking for a nurturing environment to call home, we're confident you'll feel the difference the moment you join our team. Being a part of Encompass Health means being a part of a growing national inpatient rehabilitation leader. We take pride in our career growth opportunities and the collaborative spirit of our team members, united for the greater good of our patients. Our recognitions, including being named one of the "World's Most Admired Companies" and receiving the Fortune 100 Best Companies to Work For® Award, make us immensely proud. Benefits That Begin With YouOur benefits are designed to support your well-being and start on day one:Affordable medical, dental, and vision plans for both full-time and part-time employees and their families.Generous paid time off that accrues over time.Tuition reimbursement and continuous education opportunities for your professional growth.Company-matching 401(k) and employee stock purchase plans, securing your financial future.Flexible spending and health savings accounts tailored to your unique needs.A vibrant community of individuals who are passionate about what they do. Embrace Your Role as a Speech PathologistYour impactful journey involves:Evaluating, assessing, developing, and administering personalized treatment plans for patients with speech and language rehabilitation needs.Identifying issues and modifying speech therapy treatment if necessary.Tracking and documenting patient performance, progress, and response to treatment.Celebrating patient victories along the way. QualificationsCurrent licensure or certification required by state regulations.Successful completion of SLP Certification of Clinical Competence (CCC).CPR certification required or must be obtained within 30 days of hire.Master's degree preferred, or Bachelor's degree with field experience. The Encompass Health WayWe proudly set the standard in care by leading with empathy, doing what's right, focusing on the positive, and standing stronger together. Encompass Health is a trusted leader in post-acute care with over 150 nationwide locations and a team of 36,000 exceptional individuals and growing!At Encompass Health, we celebrate and welcome diversity in our inclusive culture. We provide equal employment opportunities regardless of race, ethnicity, gender, sexual orientation, gender identity or expression, religion, national origin, color, creed, age, mental or physical disability, or any other protected classification.We're looking forward to meeting you, and we truly mean that. Join our family, and let's make a positive impact together!

$7,500 Sign on BonusAfinia Dental- Orchard Hill is seeking a Full time Dental Hygienist to join our team!Learn about our Four Day Work Week and Comprehensive Benefits Package!What You’ll GainFour Day work week! No Weekends!$7,500 Sign on Bonus!Competitive benefits including health insurance and retirement savings plans, six paid holidays and PTO (paid time off)Continuing education to provide you opportunity to develop your full potential and enhance your clinical skills to provide education and care to your patients. Access to an expansive network of mentors with 1:1 hygiene mentorship support and networking opportunities available at your fingertips.Unparalleled business support and the highest quality supplies and labs to deliver exceptional patient care.Opportunity to be a part of a secure company with 20+ years of industry leading experience that provides a stable career with unlimited growth potentialAs a Dental Hygienist, you’ll be recognized as an elite clinical provider and patient advocate. You’ll be an integral member of the patient care team, giving your patients the time and care they need, deserve and desire. With best-in-class support through our robust Hygiene mentor program and unparalleled educational offerings to enhance your clinical skills – you’ll be 100% supported as you provide exceptional lifetime care to your patients! Minimum QualificationsCurrent dental hygienist license in Ohio and an Associate’s or Bachelor’s degree in dental hygiene (where required)Excellent working knowledge of dentistry, dental hygiene procedures, dental patient screening and medical history documentationCPR CertificationPreferred Experience Experience using Velscope, Diagnodent, digital scanner, digital x-rays and electronic medical record systemsDesire to continue learning and grow clinical skills to meet needs of patients and provide preventative care and overall maintenance of patients’ dental healthClinical needs as required by office Physical RequirementsAbility to perform essential duties as deemed necessary by the Office/ Doctor/ Heartland Dentalwith or without reasonable accommodation. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties of the positionProlonged periods sitting and standingMust be able to lift and carry up to 45 pounds at timesAvailability to attend virtual training sessions (or in-person) periodically throughout the yearWho is Heartland Dental As the largest and one of the fastest growing Dental Support Organizations, Heartland Dental provides exceptional service to its more than 2,300 supported doctors in 38 states and over 1,400 supported offices. Each Heartland Dental supported office is unique to the community and the patients they serve. Supported Doctors are the leaders of their practice and set forth their own clinical care philosophies. With the largest network of doctors, we are founded by a doctor for doctors with a mission to support dentists and their teams as they deliver the highest quality dental care and experiences to the communities they serve while providing exceptional careers and creating value for our stakeholders.At Heartland Dental, we’re committed to living our core values which promote diversity and inclusion. We provide all employees and applicants for employment the protections of federal, state, and local laws affording equal opportunity in employment. As part of our commitment to maintaining a safe and healthy environment for both team members and patients, a tuberculosis (TB) test is required for all new hires in dental office positions. This is a standard requirement for dental office roles and must be completed prior to starting employment. The test will be arranged during the pre-employment process, and any necessary guidance or paperwork will be provided. Not applicable in the state of FL & TN.

Physical Therapist Key information: Title: Physical TherapistLocation/work environment: In facilityReporting structure: Reporting to Director of Rehab Powerback is proud to offer a comprehensive and unique benefits package for those candidates that are qualified, including health insurance benefits, 401k, paid time off, clinical support network, online CEUs, on-demand pay, Visa or Green Card sponsorship, and more! Select benefits are available to part time and PRN employees as well! * These rates are negotiable and, in some cases, can be augmented with things like a sign-on bonus, relocation assistance, and/or student loan repayment in select markets. About the job As a Physical Therapist, you help patients get well. You are the person who can bring their power back. In doing this, you will assess patient needs, develop their recovery plans, and deliver physical therapy. You're a healer and a helper, which is why you got into this line of work. You're equally adept at addressing the whole patient and seeing them as an individual. You know your goal is the design of a program that will restore, reinforce, and enhance their physical abilities. You're adaptable to the needs of the patient and can find joy in the variety of the work and the settings. You're a teammate and are looking for collaboration with your peers, but you're also happy to make referrals to help your patient get the care they need to thrive. You know that being a Physical Therapist means you're a teacher who can train patients and caregivers on the skills they need to promote independence and productivity. If this sounds like you, we'd love to meet you! Who is Powerback Powerback Rehabilitation (Powerback) is a new way of delivering recovery, rehabilitation, respiratory, and wellness services to patients across the nation. We deliver an empowered approach to achieving your full potential by providing integrated and individualized solutions. Our reimagined approach to rehabilitation connects directly to the patient experience, which is centered on transforming the road to recovery for everyone and helping patients get their power back. It's patient-centered care that provides a sustainable way of feeling better, moving better, breathing better, and living better. Why Now Working in a company that values growth and understands what it means to be a caregiver is refreshing. Our CEO is a former staff therapist. We offer growth, paths forward, and we are committed to patient-centered care. We are growing, stable, and need people like you, who have a calling to help people thrive. Isn't it time for you to work with a team where 86% of them know and feel their work makes a difference So much so, we're certified as a 2023 Great Place to Work. Now is the time for you to join Powerback. What's next Powerback has streamlined our hiring process: Applying takes 3 minutes, give or take.You'll hear back from us within 1 business day.If you meet the qualifications, a recruiter will call you for a 10-minute conversation within 2-3 business days, depending on your availability.You will then be presented to the hiring managerThe hiring manager will reach out within a business day to schedule the interview. ^^ This all happens within 1-5 business days from the phone screen. ^^ After your interview, the hiring manager makes a quick decision. We aim to accomplish this within the week.If the hiring manager wants to move forward, you will hear from us within a business day, because we are excited to get you started! PTH1SPECIFIC EDUCATIONAL/VOCATIONAL REQUIREMENTS:1. They must have a valid Physical Therapy license in the state(s) of practice, or proof of license and eligibility. 2. They must have a Master's degree in Physical Therapy; or 3. They must have a Master's degree in a Physical Therapy related field in addition to a Bachelor's degree in Physical Therapy; or 4. They must have a Bachelor's degree in Physical Therapy plus 5 years of progressively responsible PT experience. The qualifying Physical Therapy degree earned outside of the U.S. must be evaluated to be the U.S. equivalent to a degree in Physical Therapy.