Collections Strategy Manager The Toronto-Dominion BankCollections Strategy ManagerAtlanta, GA$120,000–$145,600 / yearTotal Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups.
Commercial Billing and Collections Specialist PruittHealth, Inc.Commercial Billing and Collections SpecialistNorcross, GAApplies knowledge of specific payer billing and payment rules, managed care contracts, reimbursement schedules, eligible provider information, and other available data and resources to research payment variances, make corrections, and take appropriate corrective actions to ensure timely claim resolutions. Performs all billing and follow-up functions, including the investigation of payment delays resulting from pended claims with the objective of receiving appropriate reimbursement based upon services delivered and ensuring that the claim is paid and settled in the timeliest manner possible.
Collections Specialist Addison GroupCollections SpecialistAlpharetta, Georgia$20–$25 / hourCorrespond by emails, phone calls and letters with internal and external customers to resolve errors in accounts, investigate complaints, verify accuracy of charges, and collect past due balances. · Research short pays, working with both the external customer and internally with the customer representative.
Collections Specialist-2 The Home Depot IncCollections Specialist-2Atlanta, GAThe specialist will handle the full cycle of delinquency management from initial outreach and dispute resolution to negotiating payment plans and preparing accounts for legal escalation or lien actions when necessary. 30% - Account Reconciliation - Research and resolve billing discrepancies, missing purchase orders (POs), or proof-of-delivery (POD) disputes that are holding up payment.
NewLead, Collections Specialist The Home Depot IncLead, Collections SpecialistAtlanta, GADiscover a career with Construction Resources and its family of brands - Bell Cabinets, UMI Stone/Opustone, Cancos Tile and Stone, The Jarrell Company, MVP Granite, and Ramos Marble and Granite, where craftsmanship and collaboration meet. The specialist will handle the full cycle of delinquency management from initial outreach and dispute resolution to negotiating payment plans and preparing accounts for legal escalation or lien actions when necessary.
Collections Specialist Airgas IncCollections SpecialistLawrenceville, GAThis is evident not only through our competitive compensation but also through a comprehensive benefits package that includes medical, dental, and vision plans, short-term and long-term disability, life and accidental death and dismemberment (AD&D) insurance, Employee Assistance Program (EAP), pre-tax commuter transportation benefit, parental leave, vacation, sick time, floating holidays, jury duty and funeral/bereavement leave, and paid holidays for all eligible full-time employees. Airgas, an Air Liquide company, is a leading U.S. supplier of industrial, medical and specialty gases, as well as hardgoods and related products; one of the largest U.S. suppliers of safety products; and a leading U.S. supplier of ammonia products and process chemicals.
Credit & Collections Specialist R.S. Hughes CoCredit & Collections SpecialistMarietta, GAThis is a key position that performs credit reviews; maintains payment terms, credit limits, and credit holds in the ERP system; analyzes outstanding amounts due; reports on excess credit exposures; tracks payments; makes bank deposits; and maintains accurate recordkeeping in accordance with financial policies and procedures. This is a Full-Time position, eligible to participate in the Company's benefit plans including: Paid Time off; major medical, dental, vision; Company paid short-term and long-term disability; paid parental leave; various supplemental benefit plans; and 12% Employee Stock Ownership Program (ESOP).
Automotive Collections Specialist Asbury AutomotiveAutomotive Collections SpecialistSandy Springs, GAWorks a daily aging report to address all balances 30 to 120 days outstandingDaily customer contact to determine status of paymentInputs ongoing, detailed collection notes in CDK in the CCCA functionProcesses credit card and check by phone paymentsAssists customers with billing inquiries and account reconciliationAssists customers with parts or service disputes, serve as contact between fixed operations personnel and customers to resolve issuesProvides requested copies for paymentForwards requests for account information change to credit deskImmediately advises management of disconnected phone, constant busy or other concerns regarding customer contactImmediately advises management of disputed billing or terms and partial payment offersMonitors credit override requests from Microsoft Outlook from parts and service personnel for assigned platform as per schedulePrints request and back up information to present to AR manager or Director for override approval/denialAfter manager/director has made a credit decision, accesses the COV function in CDK and perform the override or change the invoice to cash as per management approvalPromptly replies to the field with the necessary informationFollows up with customer for collection efforts if override is deniedScans of DepositsGenerates the first draft of the monthly AR report to include outstanding balances 60-120 days and provide a payment status of eachReprints past due invoices for 20th mailing to customersAssesses accounts on credit hold, and process and forward a COD removal form to AR manager(s)Performs other related duties to benefit the mission/vision of the organization. Professional growth and development opportunities Additional advantages: Student loan relief resourcesEmployee assistance programEmployee discounts on parts and service repairsScholarship awardsOpportunities to join our community service initiatives, which includes paid volunteer hoursAggressive Employee referral program with bonus opportunities.
NewLeasing Client-Collections Specialist Fiserv IncLeasing Client-Collections SpecialistMarietta, GAIndividuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day - quickly, reliably, and securely.
Experienced Debt Collector | Senior Collections Specialist | Call Cent CbExperienced Debt Collector | Senior Collections Specialist | Call CentAlbany, GeorgiaThis role is designed for seasoned collectors with a proven track record of recovery in consumer and/or commercial collections who can operate independently in a compliance-driven, KPI-based environment . Live Oak Financial, Inc. is actively hiring Experienced Debt Collectors / Senior Collections Specialists to support our expanding national collections platform.
Experienced Debt Collector | Senior Collections Specialist | Call Cent LIVE OAK FINANCIAL INCExperienced Debt Collector | Senior Collections Specialist | Call CentAlbany, GAFull timeThis role is designed for seasoned collectors with a proven track record of recovery in consumer and/or commercial collections who can operate independently in a compliance-driven, KPI-based environment . Live Oak Financial, Inc. is actively hiring Experienced Debt Collectors / Senior Collections Specialists to support our expanding national collections platform.
Billing & Collections Specialist Avery Partners, LLCBilling & Collections SpecialistCartersville, GAThis position requires the ability to work efficiently in a fast-paced healthcare environment while maintaining a high level of accuracy, professionalism, and customer service when interacting with insurance carriers, patients, providers, and internal staff. This role is responsible for managing the full cycle of medical billing, insurance verification, claims management, and patient collections to ensure accurate claim submission, timely reimbursement, and effective follow-up on outstanding accounts.
ACCOUNT MANAGER / COLLECTION SPECIALIST RNR TIRE EXPRESS AND CUSTOM WHEELS - Columbus, GAACCOUNT MANAGER / COLLECTION SPECIALISTColumbus, GARelated: Rent to own, Aaron’s, Rent a Center, Buddy’s, Rim Tyme, Rent a wheel, Account Manager, Collections, Repo Requirements/Responsibilities Account Manager / Collection Specialist main responsibilities include, but are not limited to the following: * Contact all customers whose Rental Agreements have expired for non-renewal and determine the customer’s need, expectation or problem. Requirements: Valid State Driver License with a clean driving history We conduct drug screen, & background check Prior experience as sales agent, rental agent, account executive, account manager, account collection, rent to own, automative sales is important to the success at this job.
Commercial Collections - B2B NorthPoint Search GroupCommercial Collections - B2BKennesaw, GAWho: Strong Stable CompanyWhat: Immediate Need for a Commercial Collections SpecialistWhen: Immediate NeedWhere: Galleria Area of AtlantaWhy: GrowthSalary: Up to $60k plus bonusOffice Environment: Casual, team-focused environment with strong cross-functional collaboration and employee-focused perks. Qualifications include 5+ years of B2B collections experience, strong communication skills, a goal-oriented mindset, and experience with ERP systems.
Collision Specialist AxelonCollision SpecialistSandy Springs, GAMinimum 2 years of experience in areas such as Accounting, Administration, Automotive Retail, Automotive Collision Repair, Business Operations, Communications Planning, Market Research, Parts & Accessories, Sales, or Vendor Management. Support the company's Certified Collision Program by driving strategic program development, operational excellence, and high-quality execution across various initiatives.
Collection Specialist TOI TOI USACollection SpecialistAlpharetta, GeorgiaTheir duties include monitoring accounts receivable statements to identify debts owed to their company, contacting customers or business partners to notify them of overdue payments and documenting debts collected. The Collections Specialist is responsible for ensuring that the company receives all necessary payments from debtors.
Bilingual Branch Collections Specialist OneMain (Formerly Springleaf & OneMain Financials).Bilingual Branch Collections SpecialistEast Point, GAIn our more than 1,300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets. Collections, Delinquency, Sales, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Finance, Full-time, Career, Benefits, Customer Experience, Financial Representative, Credit.
CCHL Servicing Collections Specialist Capital City Bank Group IncCCHL Servicing Collections SpecialistKennesaw, GAThe Collections Specialist is responsible for managing delinquent accounts, contacting customers regarding past-due balances, and working toward timely resolution through payment arrangements, loss mitigation options, or account reconciliation. The Servicing Collections Specialist position is a member of the Loan Servicing Operations and Default Team with the primary responsibility for the effective management of accounts in various stages of delinquency or default.
Collections Agency Manager Atlanticus Holdings CorporationCollections Agency ManagerAtlanta, GAThese products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products.
Collections - Sr Associate I Fiserv IncCollections - Sr Associate IMarietta, GAAs a Collector, you will be responsible for contacting the proper party (manually or via automatic dialing system), describing the debt and soliciting payment arrangements for the account in compliance with applicable regulations and established policy and procedures. What you will do: Working to establish rapport in order to overcome objections and negotiate payment of the debt.
Director, Collections - Strategy Stellantis Financial Services USDirector, Collections - StrategyAtlanta, GAAlthough this position shall provide the authority to lead, oversee and direct the day-to-day work of assigned employees and to report work assessments to management, it shall not provide the authority to take the following actions: hire an employee, fire an employee, promote, or demote an employee, discipline an employee in a formal manner, reassign an employee, or alter benefits of an employee. Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.
Collections Specialist United Surgical Partners International IncCollections SpecialistMcDonough, GAWe are looking for a motivated performer to join our Business Office team as a Collections Specialist, with an extensive knowledge of claims reimbursement and collection efforts for Managed Care, Medicare, Medicaid, Workers Comp, Commercial plans, etc. Under the direction of the Business Office Manager, the Collections Specialist is responsible for follow up on delinquent surgery center claims), working an expected number of claims per day.
Part-Time Doorstep Trash Collection Specialist - Nights Gentile Valet Living LLCPart-Time Doorstep Trash Collection Specialist - Nights GentileDuluth, GAOwn either (1) an open-bed pickup truck or (2) a vehicle paired with an open utility trailer used for the job; vehicles without an open bed or trailer (including SUVs, sedans, and vans) do not qualify. Collect bagged trash and cardboard from apartment doorsteps and transport it to the on-site compactor using your open-bed pickup truck or tow vehicle with utility trailer.
Accounts Receivable Collections Specialist Happy Floors LLCAccounts Receivable Collections SpecialistAlpharetta, GAPGS goes to market through two distinct floor covering brands: Happy Floors, which sells into the residential market through a diverse base of more than 6,000 independent dealer customers throughout the United States; and Stone Source, which sells into the commercial market through its relationships with approximately 1,800 architecture and design firms, and 4,000 contractors/installers and corporate customers across multiple commercial and multifamily end markets. At Paramount Global Surfaces, we combine industry expertise, design-driven product offerings, and a customer-first mindset to help our partners succeed and create beautiful, lasting spaces.
HR/Payroll Specialist Primetals TechnologiesHR/Payroll SpecialistAlpharetta, GAServe as the HRIS point of contact, ensuring data accuracy, troubleshooting issues, and supporting system-related tasks; provide support for audit activities. This position ensures smooth execution of HR processes, serves as a resource for employees and managers, and maintains the integrity of HR systems and documentation.
Strategic Planning Specialist SNF Holding CompanyStrategic Planning SpecialistRiceboro, GeorgiaCollaborate cross-functionally with procurement, manufacturing, product management, scheduling, and logistics teams to forecast demand, balance supply, and proactively identify risks and opportunities within the planning horizon. SNF is a specialty chemical group whose products, water-soluble polymers, contribute to treating, recycling, preserving water, saving energy, and reducing carbon footprint.
NewLegal Collections Specialist (Law Firm) JobotLegal Collections Specialist (Law Firm)Atlanta, GA$70,000–$95,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Our professional staff plays an important role in supporting the firm's attorneys and clients, and our accounting and finance teams are integral to maintaining a high level of service and operational excellence.
NewLoan Servicing Specialist II Epitec StaffingLoan Servicing Specialist IIAtlanta, GA$19–$23 / hourThis role ensures the accuracy and compliance of account changes, manages customer and vendor interactions, supports the full lifecycle of post-closing adjustments including rewrites, transfers and assumptions, contract unwinds, and customer verifications. Researches and resolves more complex loan related issues which may include missing payments, disputed accounts history requests and general loan related questions.
NewLoan Servicing Specialist II Pinnacle Technical ResourcesLoan Servicing Specialist IIAtlanta, Georgia$20–$25 / hourContractorThis role ensures the accuracy and compliance of account changes, manages customer and vendor interactions, and supports the full lifecycle of post-closing adjustments, including rewrites, transfers, assumptions, contract unwinds, and customer verifications. The specific compensation for this position will be determined by several factors, including the scope, complexity, and location of the role, as well as the cost of labor in the market; the skills, education, training, credentials, and experience of the candidate; and other conditions of employment.
NewManager, Business Tax Services - 5500 Preparation KPMGManager, Business Tax Services - 5500 PreparationAtlanta, GA$107,160–$226,320 / yearBachelor's degree from an accredited college or university; Licensed CPA, JD/LLM or EA, in addition to others on KPMG's approved credential listing; any individual who does not possess at least one of the approved designations/credentials when their employment commences, has one year from their date of hire to obtain at least one of the approved designations/credentials; should you like to see the complete list of currently approved designations/credentials for the hiring practice/service line, your recruiter can provide you with that list. Work with KPMGs extensive network of specialists; enjoy access to our Ignition Centers, where deep industry knowledge merges with cutting-edge technologies to create innovative tax solutions.
Credit & Collections Specialist- Remote Sharecare IncCredit & Collections Specialist- RemoteAtlanta, GARemoteOur comprehensive and data-driven virtual health platform is designed to help people, providers, employers, health plans, government organizations, and communities optimize individual and population-wide well-being by driving positive behavior change. Job Summary: We are looking for a competent Credit and Collections Specialist to undertake a variety of financial and non-financial tasks in order to help guarantee the company's revenues.
Credit & Collections Specialist SharecareCredit & Collections SpecialistAtlanta, GeorgiaOur comprehensive and data-driven virtual health platform is designed to help people, providers, employers, health plans, government organizations, and communities optimize individual and population-wide well-being by driving positive behavior change. We are looking for a competent Credit and Collections Specialist to undertake a variety of financial and non-financial tasks in order to help guarantee the company’s revenues.
Medical Collections Specialist NANA Healthcare Management, LLCMedical Collections SpecialistDoraville, GAFull timeMount Yonah Medical Billing (MYMB) is a rapidly growing third-party medical billing company specializing in behavioral healthcare revenue cycle management, with expertise in substance use disorder and mental health billing. The Medical Collections Specialist is responsible for managing assigned accounts receivable by following up with insurance companies to ensure timely payment of medical claims.
Bilingual Branch Collections Specialist OneMain Financial Group, LLCBilingual Branch Collections SpecialistEast Point, GAIn our more than 1,300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets. Collections, Delinquency, Sales, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Finance, Full-time, Career, Benefits, Customer Experience, Financial Representative, Credit.
Collections Specialist - Craig The Intersect GroupCollections Specialist - CraigAlpharetta, GA$24–$27 / hourThis individual will play a critical role in driving cash collections, resolving billing discrepancies, maintaining client relationships, and supporting overall accounts receivable performance. The Intersect Group is partnering with a leading organization in the financial services and asset management space that supports large commercial clients across North America.
Senior Collections Specialist - ServiceMac First American Financial CorpSenior Collections Specialist - ServiceMacAtlanta, GAYou will conduct both inbound and outbound customer outreach, analyze borrower financials, negotiate payment solutions, and ensure accounts remain compliant with investor, regulatory, and company requirements. Collections Specialist serves as a highly skilled resource responsible for managing complex loss mitigation and collections activities.
Accounts Receivable Collections Specialist Freeman, Mathis & Gary LawAccounts Receivable Collections SpecialistAtlanta, GeorgiaFreeman Mathis & Gary, LLP is a nationally recognized Am Law 200 law firm with over 500 attorneys servicing clients in 40 offices and 22 states firm seeking an experienced Accounts Receivable Collections Specialist to join our Atlanta office. The ideal candidate should be deadline driven, highly organized and detailed problem solvers that thrive in a team environment and understand the importance of both internal and external client service.
Accounts Receivable Collections Specialist Happy FloorsAccounts Receivable Collections SpecialistAlpharetta, GAPGS goes to market through two distinct floor covering brands: Happy Floors, which sells into the residential market through a diverse base of more than 6,000 independent dealer customers throughout the United States; and Stone Source, which sells into the commercial market through its relationships with approximately 1,800 architecture and design firms, and 4,000 contractors/installers and corporate customers across multiple commercial and multifamily end markets. At Paramount Global Surfaces, we combine industry expertise, design-driven product offerings, and a customer-first mindset to help our partners succeed and create beautiful, lasting spaces.
NewCollections Specialist Jackson & CokerCollections SpecialistAlpharetta, GeorgiaCoordinate with Accounts Receivable, Billing, Operations, Sales, Service Coordination, Credentialing, MSP partners, and client Accounts Payable departments to resolve payment discrepancies, support issue escalation, and accelerate the collection of outstanding receivables. Execute revenue operations administration activities, including invoice submission support, service record maintenance, portal transaction management, workflow monitoring, and account maintenance across multiple VMS platforms.
NewCredit and Collections Specialist Andritz AGCredit and Collections SpecialistAlpharetta, GAWe are at the forefront of future engineering technologies, with solutions that ensure the success of our clients in key industries that are shaping the future of the world we live in. Strong attention to detail, accuracy, flexibility, organizational and interpersonal skills, team-oriented and strong analytical skills.
Payroll Specialist, Shared Services Oldcastle Payroll, Inc.Payroll Specialist, Shared ServicesAlpharetta, GAFull timeThe position supports centralized payroll operations within a Shared Services environment, delivering accurate, timely and compliant payroll services to multiple operating companies and legal entities. This role executes payroll activities, adheres to established service level agreements (SLAs), participates in payroll system testing, implementations and continuous process improvement initiatives.
Medicaid Specialist / Collections Specialist Macon Rehabilitation and HealthcareMedicaid Specialist / Collections SpecialistMacon, GeorgiaGeneral Purpose: The Medicaid Specialist acts as a liaison between patients, skilled nursing facility, and government agencies, ensuring that residents receive the benefits they are entitled to and that applications are processed efficiently and accurately. Secures documentation for Medicaid/MSP new applications and renewal applications if needed for members’ attention to detail by adhering to state requirements and securing supporting documentation.
NewCollections B2B, Part-Time (Lawrenceville, GA) The Intersect GroupCollections B2B, Part-Time (Lawrenceville, GA)Lawrence, GA$20–$23 / hourWere seeking an experienced B2B Collections Specialist to join our team, focused exclusively on commercial collections. This role is ideal for someone who is confident, detail oriented, and comfortable communicating directly with business clients.
NewACCOUNT MANAGER / COLLECTION SPECIALIST RNR TIRE EXPRESS AND CUSTOM WHEELS - Warner Robins, GAACCOUNT MANAGER / COLLECTION SPECIALISTWarner Robins, GARelated: Rent to own, Aaron’s, Rent a Center, Buddy’s, Rim Tyme, Rent a wheel, Account Manager, Collections, Repo Requirements/Responsibilities Account Manager / Collection Specialist main responsibilities include, but are not limited to the following: * Contact all customers whose Rental Agreements have expired for non-renewal and determine the customer’s need, expectation or problem. Requirements: Valid State Driver License with a clean driving history We conduct drug screen, & background check Prior experience as sales agent, rental agent, account executive, account manager, account collection, rent to own, automative sales is important to the success at this job.
Billing and Collection Specialist AGG CareersBilling and Collection SpecialistAtlanta, GeorgiaThe Billing and Collection Specialist is responsible for handling all aspects of the firm's client billing cycle, ensuring that prebill edits through transmittal and/or the mailing of client bills, and e-billing requirements, are completed effectively, efficiently and accurately; supporting the role of the Billing and Collections Supervisor in addressing attorney and staff needs, providing superior client service. Primary duties will include, but are not limited, to the following: For both new clients and e-billing client engagements, identifies, captures and validates critical financial information or unusual revenue or billing arrangements, and ensures that data is recorded accurately in Fulcrum to avoid billing or e-billing delays.
Data Collection Specialist Communication Technology Services, LLCData Collection SpecialistLawrenceville, GACommunication Technology Services (CTS) is one of the largest integrators and managed service providers in the U.S., specializing in the design, installation, and support of Distributed Antenna Systems (DAS), Small Cell, and 4G/5G Private Wireless Networks. We are driven by the desire to solve complex customer problems, the excitement of deploying new technologies, and our dedication to delivering advanced wireless solutions as simple, scalable offerings for our customers.
emote Collections Supervisor | Collections Team Lead | Call Center Sup LIVE OAK FINANCIAL INCemote Collections Supervisor | Collections Team Lead | Call Center SupAlbany, GARemoteFull timeLive Oak Financial, Inc. is seeking an experienced Remote Collections Supervisor to lead, coach, and manage a team of professional collectors within a compliance-first, KPI-driven collections environment . This role is responsible for team performance, liquidation results, quality assurance adherence, and day-to-day operational leadership .
Collection Specialist AGG CareersCollection SpecialistAtlanta, GeorgiaThe Collection Specialist will carry out the directives of the AR Collections Department, respond to day to day email requests, send invoice copies, and correspond with attorneys relating to their AR balances and customer requests. Primary duties will include, but are not limited, to the following: Proactive monitoring and collection of assigned Accounts Receivable, to achieve maximum effectiveness, so as to meet monthly and annual revenue targets.
Assistant Lead – Medical Collections NANA Healthcare Management, LLCAssistant Lead – Medical CollectionsDoraville, GAFull timeMount Yonah Medical Billing (MYMB) is a rapidly growing third-party medical billing company specializing in behavioral healthcare revenue cycle management, with expertise in substance use disorder and mental health billing. This position serves as a working team lead by assisting with workflow management, training, quality assurance, productivity monitoring, and resolution of complex insurance account issues.
Field Data Collection Specialist\Surveyor TSMGField Data Collection Specialist\SurveyorAthens, GAOur field data collection teams are spread across Europe and North America, ready to accept new challenges. We count features, take pictures, make videos, record speech, and scan areas for every detail you need to make more informed decisions.