NewProperty Adjuster Specialist - Field Claims USAAProperty Adjuster Specialist - Field ClaimsNashville, TNRemote$69,920–$125,850 / yearProactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability. 2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages.
NewFraud Protection Services - Claim Resolution Specialist First Horizon BankFraud Protection Services - Claim Resolution SpecialistMemphis, TNAligned with our core values-client focus, caring for people, commitment to excellence, expanding access, and fostering team success-our specialists play a key role in upholding the integrity of our operations and strengthening relationships with both internal and external clients. About UsFirst Horizon is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel.
NewCommercial Client Specialist First Horizon BankCommercial Client SpecialistMemphis, TNHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position: High school diploma or equivalent and 2-4 years of experience or equivalent combination of education and experience.
NewMedical Records Specialist AdvancedHEALTHMedical Records SpecialistGoodlettsville, TNThe Medical Record Specialist is responsible for managing, processing, and fulfilling medical record requests received from third-party vendors, healthcare providers, auditors, government agencies, and other authorized entities. This role ensures timely, accurate, and HIPAA-compliant release of medical records to support reimbursement, audits, appeals, compliance reviews, and continuity of patient care.
NewMedical Records Specialist Advanced Billing ConsultantsMedical Records SpecialistGoodlettsville, TNCompile, review, and submit complete and accurate medical documentation in response to: Medical record requests Audit requests Additional Documentation Requests (ADR) Pre-payment and post-payment audits Claims appeals and denials Monitor request status and ensure all submissions meet established turnaround time requirements. ESSENTIAL DUTIES AND RESPONSIBILITIES: Ans Receive, review, and process medical record requests from: Third-party vendors Insurance carriers Healthcare providers Internal departments Government agencies Recovery Audit Contractors (RAC) Commercial and Medicare auditors Validate request authenticity and authorization requirements prior to releasing records.
NewDirector Internal Compliance Reporting Hca HealthcareDirector Internal Compliance ReportingNashville, TN5+ years of experience in healthcare regulatory compliance, nursing, pharmacy, internal audit, or law or equivalent in a healthcare facility, organization or system or law firm and/or working knowledge and application of Federal and state healthcare laws and regulations including but not limited to Stark Laws, Anti-kickback Statute, EMTALA, CMP, False Claims Act, DEA regulations, etc. is preferred. • Develop and maintain highly efficient and effective workflow processes by incorporating artificial intelligence (AI) agents, automated workflows, data analytics and other innovative technology into day-to-day operations, as available within the organization.
NewAccounts Receivable Coordinator IDR Healthcare, LLC.Accounts Receivable CoordinatorNashville, TNThis role focuses on healthcare revenue cycle management, handling accounts receivable processes within a busy healthcare setting. Experience working with healthcare-specific accounts receivable, including claims processing and payer interactions.
Government Affairs Executive Sentry InsuranceGovernment Affairs ExecutiveNashville, TNExperience in a State DOI, and NAIC, or regulatory agency dealing with insurance financial services, state legislator or political campaign, think-tank public policy organization or trade association, corporate government relations department especially in the financial services industry . See Sentry Insurance Terms & Conditions at https://www.sentry.com/terms-and-conditions and Privacy Policy at https://www.sentry.com/privacy and SonicJobs Privacy Policy at https://www.sonicjobs.com/us/privacy-policy and Terms of Use at https://www.sonicjobs.com/us/terms-conditions.
Urologist CommonSpirit HealthUrologistChattanooga, TNSpecialties include: Family Medicine, Internal Medicine, Breast Surgical Oncology, Endocrinology, Gynecology, Infectious Disease, Integrative Medicine, General & Laparoscopic Surgery, Geriatrics, Metabolic & Weight Loss Surgery, Neurology, Neurosurgery, Pediatrics, Pulmonology, Rheumatology, Thoracic Surgery, Urology, and Vascular Surgery. This vibrant city blends ‘Big City‘ amenities with an ease of a smaller city offering: a family friendly and safe atmosphere in which to live, easily commutable, moderate cost of living, $120 million revitalized riverfront, very active Arts Council, Museums, and an extensive green way system.
Fleet Claims Specialist, Middle Mile Property Damage Amazon.com IncFleet Claims Specialist, Middle Mile Property DamageNashville, TNAn ideal candidate brings a background in fleet maintenance and automotive claims handling, with experience managing professional relationships with multiple stakeholders, holding responsible individuals accountable for asset damages and repair costs, and achieving organizational targets. Interact with carriers and customers to obtain facts, explain claims processes, and provide high quality service to achieve a positive customer experience.
Insurance Claims Specialist (Construction Defects and Property Damage) DPR Construction IncInsurance Claims Specialist (Construction Defects and Property Damage)Nashville, TNKey Skills: • Basic working knowledge and familiarity of: • Commercial General Liability • Property Insurance (Including Inland Marine and Builder's Risk) • Pollution Liability • Professional Liability • Controlled Insurance Programs (CCIP/OCIP) • RMIS Systems • Construction Industry Expertise • Strategic thinking • Strong written and oral communication skills • High level of EQ (Soft skills) • Self-Starter • Highly organized and responsive; ability to meet deadlines • Detail Oriented • Contractual risk assessment • Dispute management • Integrity • Ability to mentor and inspire others • Team player • Willingness to understand and advance the DPR Culture • Proactive Learner. Act as a liaison between all parties involved, including but not limited to, carriers, clients, trade partners, brokers, consultants, attorneys and DPR project teams (and DPR-related entities), as it relates to claim progress, strategy, expenses, and settlements.
Indemnity Claims Specialist CorVel CorpIndemnity Claims SpecialistFranklin, TNRemote$52,999–$85,473 / yearThe Claims Specialist manages within company best practices low to mid Auto and/or General Liability claims, including bodily injury and property damage within delegated limited authority to best possible outcome, under the direct supervision of a senior claims professional, supporting the goals of claims department and of CorVel. Pay rates are established taking into account the following factors: federal, state, and local minimum wage requirements, the geographic location differential, job-related skills, experience, qualifications, internal employee equity, and market conditions.
CLAIMS SPECIALIST Envision Healthcare CorpCLAIMS SPECIALISTNashville, TNThe benefits offered include but not limited to: Medical, Dental, Vision, Life, Disability, Healthcare FSA, Dependent Care FSA, Limited Healthcare FSA, FSAs for Transportation and Parking & HSAs. Ability to recognize and define problems, collect data, establish facts, draw valid conclusions and correct errors • Strong organizational habits and follow through.
Senior Construction Defect Technical Claims Specialist Argo Group International Holdings IncSenior Construction Defect Technical Claims SpecialistTNRemote$137,496–$164,934 / yearBoston metro area, California outside of Los Angeles & San Francisco metro area, Connecticut, Chicago metro area, Denver metro area, New Jersey (outside of New York City metro area), New York State (outside of New York City metro area, including but limited to Albany county), Washington, D. C. Essential Responsibilities: Working under limited oversight under broad management direction, adjudicate construction defect claims at the highest authority limits on assignments reflecting the highest degree of technical complexity, potentially with major impact on departmental results.
Claims Specialist – Business Insurance Marsh McLennanClaims Specialist – Business InsuranceMaryville, TennesseeWith offices across North America, we combine the personalized service model of a local consultant with the global resources of the world’s leading professional services firm, Marsh (NYSE: MRSH). Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities.
Senior Commercial GL & Auto Claims Specialist Amerisure Mutual Insurance CompanySenior Commercial GL & Auto Claims SpecialistMemphis, TNRanked as one of the top 100 Property & Casualty companies in the United States, we proudly manage nearly $1 Billion of Direct Written Premium and maintain $1.21 billion in surplus. Amerisure is currently recruiting a Senior Commercial GL & Auto Claims Specialist with experience with handling claims that deal with risk transfer, subcontractors, and general contractors.
Bodily Injury Claims Specialist Auto-Owners Insurance GroupBodily Injury Claims SpecialistJackson, TNThe position requires the person to: Assemble facts, determine coverage, evaluate the amount of loss, analyze legal liability, make payments in accordance with coverage, damage and liability determination, and perform other functions or duties to properly adjust the loss. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
EDI Claims Filing Specialist Nesco Resource, LLCEDI Claims Filing SpecialistBrentwood, TN$18–$18 / hourThe EDI Claims Filing Specialist is responsible for ensuring that claims are accurately submitted to payors, either electronically or via paper, with all required documentation. Establishes and maintains long-term customer relationships, building trust and respect by consistently meeting and exceeding expectations.
Senior Claims Benefit Specialist CVS Health CorpSenior Claims Benefit SpecialistTN$18.50–$42.35 / hourOur teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong. In this role, you will: Perform adjustments across all dollar amount levels on customer service platforms, specifically by using technical and claims processing expertise.
Claims Representative Specialist - Litigation Sentry Insurance GroupClaims Representative Specialist - LitigationNashville, TNEvaluate liability by taking recorded statements from involved parties and witnesses and reviewing police reports accident scene photos and other pertinent evidence. Investigate and resolve litigated claims in an efficient and accurate manner- negotiate settlements, and communicate effectively with policyholders, vendors, and other stakeholders.
Claims Escalation Specialist Fast Pace HealthClaims Escalation SpecialistTennesseeFull timeThe Claim Escalation Specialist will perform the daily collections and management of outstanding accounts, to include following up with insurance companies, reconciling accounts, filing corrected claims, appealing claims (when appropriate), and following up on all denials to ensure processing/reprocessing, and payments. Performs daily on collecting and managing of outstanding accounts, to include following up with insurance companies, reconciling accounts, filing corrected claims, appealing claims (when appropriate), and following up on all denials to ensure processing/reprocessing, and payments.
Medical Claims Billing Specialist Village Behavioral HealthMedical Claims Billing SpecialistLouisville, Tennessee$17–$23 / hourPart timeResponsible for accurate and timely data entry of charges, payments, adjustments and other transactions to patient accounts as required to include both insurance and patient billing for charges incurred. Responsible for timely follow-up to insurance companies on billing submitted in order to allow for an effective and efficient cash flow of hospital receivables.
Medical Claims Billing Specialist Acadia Healthcare Co IncMedical Claims Billing SpecialistTN$17–$23 / hourResponsible for accurate and timely data entry of charges, payments, adjustments and other transactions to patient accounts as required to include both insurance and patient billing for charges incurred. ESSENTIAL FUNCTIONS: Request and process all bills to third party payors and patients, maximizing re-imbursement of services provided to achieve established hospital goals.
Claim Specialist - Property Field Inspection State FarmClaim Specialist - Property Field InspectionNashville, Tennessee$59,059.65–$90,000 / yearFull time37010 37015 37022 37029 37031 37032 37035 37040 37042 37043 37048 37049 37066 37072 37073 37075 37076 37080 37082 37115 37122 37138 37141 37143 37146 37148 37172 37181 37186 37187 37188 37189 37201 37203 37206 37207 37208 37209 37210 37212 37213 37214 37216 37218 37219 37228 37243. With the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days, there will be plenty of time for you!
Quality Control Specialist - Medicare Pharmacy Claims Health Care Service CorpQuality Control Specialist - Medicare Pharmacy ClaimsNashville, TNRemote$20.04–$44.61 / hourThe Quality Control Specialist conducts regular audits to verify adherence to regulations, internal policies, and operational procedures, while maintaining thorough documentation to support potential CMS program audits. Pay Transparency Statement: At Health Care Service Corporation, you will be part of an organization committed to offering meaningful benefits to our employees to support their life outside of work.
Regional Senior Casualty Claim Specialist - Litigation AAA Southern New EnglandRegional Senior Casualty Claim Specialist - LitigationTNBy continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life's journey through insurance, travel, financial services, and roadside assistance. Important Note: ACG's Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals.
Claims Adjuster II, Field Property - National Catastrophe Nationwide Mutual Insurance CoClaims Adjuster II, Field Property - National CatastropheNashville, TN$62,500–$115,500 / yearNationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. In this role, you'll conduct on-site inspections, evaluate property damages, determine policy coverage, and make timely, accurate decisions using a variety of tools and resources, including vendor estimates, independent adjusters, and self-written assessments.
Field Claims Adjuster III, PL Property (Flex Team) Nationwide Mutual Insurance CoField Claims Adjuster III, PL Property (Flex Team)Nashville, TN$79,500–$148,500 / yearNationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. Qualifications: · 5 years of insurance field/property claims handling or adjusting experience · Solid experience/proficiency with Xactimate · Solid experience writing own estimates and handling claims start to finish · Strong customer service competency · Strong written & verbal communication skills.
Leave and Disability Claims Roles UNUM GroupLeave and Disability Claims RolesUSA, TN$22.12–$24.04 / hourWhether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. When you apply, you'll be considered for positions such as Integrated Paid Leave Specialist, STD Benefits Specialist Trainee, Associate Leave Specialist, Eligibility Specialist and Associate Life Event Specialist.
Senior Claim Benefit Specialist - Remote CVS Health CorpSenior Claim Benefit Specialist - RemoteTNRemote$18.50–$42.35 / hourOur teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong. Applies medical necessity guidelines, determines coverage, verifies eligibility, identifies discrepancies, and implements cost‑containment measures to support accurate claim adjudication.
Auto Claims Appraiser Sentry Insurance GroupAuto Claims AppraiserNashville, TNLead efficient claim decisions by assessing losses, building estimates, and securing fair settlements while collaborating with repair teams and tracking the latest repair technology. Knowledge of vehicle repairs gained from previous experience in a repair facility, appraising responsibilities, or collision repair course work preferred.
Technical Specialist, Construction Claim The Travelers Companies IncTechnical Specialist, Construction ClaimFranklin, TN$85,600–$141,200 / yearDirectly investigate each claim through prompt and strategically-appropriate contact with appropriate parties such as policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, medical providers and technical experts to determine the extent of liability, damages, and contribution potential. Actively engages in the identification, selection and direction of appropriate internal and/or external resources for specific activities required to effectively evaluate claims, such as Subrogation, Risk Control, nurse consultants, and fire or fraud investigators, and other experts.
NewSenior Account Reimbursement Specialist (Medicare: Claims/Billing/Insurance Follow Up/Denials) - REMOTE Vanderbilt University Medical CenterSenior Account Reimbursement Specialist (Medicare: Claims/Billing/Insurance Follow Up/Denials) - REMOTENashville, TNRemoteDiscover Vanderbilt University Medical Center: Located in Nashville, Tennessee, and operating at a global crossroads of teaching, discovery, and patient care, VUMC is a community of individuals who come to work each day with the simple aim of changing the world. Our professional administrative functions include critical supporting roles in information technology and informatics, finance, administration, legal and community affairs, human resources, communications and marketing, development, facilities, and many more.
Managing Director Property Claims HCA HealthcareManaging Director Property ClaimsNashville, TNMajor Responsibilities: Proactively manage system-wide property claims including oversight of between HCA facility contacts, corporate functional areas, Third Party Administrator (TPA), forensic accountants, broker claims representative and captive insurer/fronting parties. This includes oversight of HCA’s property claims handling via coordination between HCA facility contacts, corporate functional areas, Third Party Administrator (TPA), forensic accountants, broker claims representative and captive insurer/fronting parties.
Claim Benefit Specialist CVS Health CorpClaim Benefit SpecialistWork At Home, TN$17–$28.46 / hourAnalyzes claims data and generate reports to identify trends, patterns, or areas for improvement to help inform process enhancements, policy changes, or training needs within the claims processing department. Performs claim documentation review, verifies policy coverage, assesses claim validity, communicates with healthcare providers and policyholders, and ensures accurate and timely claims processing.
Fraud Protection Services - Claim Resolution Specialist First Horizon CorpFraud Protection Services - Claim Resolution SpecialistMemphis, TNAligned with our core values-client focus, caring for people, commitment to excellence, expanding access, and fostering team success-our specialists play a key role in upholding the integrity of our operations and strengthening relationships with both internal and external clients. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank.
Claim Benefit Specialist Operations CVS Health CorpClaim Benefit Specialist OperationsFranklin, TN$17–$28.46 / hourPerforms claim documentation review, verifies policy coverage, assesses claim validity, communicates with healthcare providers and policyholders, and ensures accurate and timely claims processing. Analyzes claims data and generate reports to identify trends, patterns, or areas for improvement to help inform process enhancements, policy changes, or training needs within the claims processing department.
Technical Specialist, Construction Claim TravelersTechnical Specialist, Construction ClaimNashville, TennesseeDirectly investigate each claim through prompt and strategically-appropriate contact with appropriate parties such as policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, medical providers and technical experts to determine the extent of liability, damages, and contribution potential. Actively engages in the identification, selection and direction of appropriate internal and/or external resources for specific activities required to effectively evaluate claims, such as Subrogation, Risk Control, nurse consultants, and fire or fraud investigators, and other experts.
Client Care Center-Consumer Account Security Claims Truist BankClient Care Center-Consumer Account Security ClaimsCookeville, TennesseeGeneral Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Committed to utilize all available tools and resources to curate a differentiated client experience, track all unresolved issues accurately, to ensure timely follow up and resolution.
Client Care Center-Consumer Account Security Claims Truist Financial CorpClient Care Center-Consumer Account Security ClaimsCookeville, TNGeneral Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Committed to utilize all available tools and resources to curate a differentiated client experience, track all unresolved issues accurately, to ensure timely follow up and resolution.
Sr Claims Reviewer TriWest Healthcare AllianceSr Claims ReviewerNashville, TNRemoteFull timeProficient with claim and coding tools such as Supercoder, Clinical Decision Support Tool, Current Procedural Terminology, Health Care Financing Administration Common Procedure Coding System, and American Dental coding. This role will serve as a SME and will collaborate with Claims leadership, Training, the Claims Content Specialist, and internal business partners to ensure procedures and training materials are accurate and complete.
Medical Administrative Specialist 2-Univ Family Physicians (Knoxville) University of Tennessee SystemMedical Administrative Specialist 2-Univ Family Physicians (Knoxville)Knoxville, TNKNOWLEDGE, SKILLS, AND ABILITIES: Excellent interpersonal and communication skills, including oral, written, and listening skills. Additionally, this position processes patient and insurance payments, refunds, insurance claims, and assists in working accounts receivables.
Entry-Level Medical Billing Specialist ReveljobsEntry-Level Medical Billing SpecialistMemphis, TennesseeThe Entry-Level Medical Billing Specialist will assist with preparing and reviewing insurance claims, updating patient and insurance information, supporting basic billing and coding processes, and helping patients with billing-related questions. A confidential healthcare organization is seeking a detail-oriented Entry-Level Medical Billing Specialist to support medical billing, insurance claims, patient account questions, coding-related workflows, and general administrative functions.
Revenue Specialist, First Party Auto, MVA EnableComp LLCRevenue Specialist, First Party Auto, MVAFranklin, TNEnableComp provides Specialty Revenue Cycle Management solutions for healthcare organizations, leveraging over 24 years of industry-leading expertise and its unified E360 RCM intelligent automation platform to improve financial sustainability for hospitals, health systems, and ambulatory surgery centers (ASCs) nationwide. Powered by proprietary algorithms, iterative intelligence from 10M+ processed claims, and expert human-in-the-loop integration, EnableComp provides solutions across the revenue lifecycle for Veterans Administration, Workers' Compensation, Motor Vehicle Accidents, and Out-of-State Medicaid claims as well as denials for all payer classes.
Billing Specialist/Insurance Collector Acadia Healthcare Co IncBilling Specialist/Insurance CollectorChattanooga, TN$19–$24 / hourIf you''re passionate about making a difference in the lives of those in need through compassionate therapeutic practices and thrive in a supportive team environment that fosters learning and growth, this position is perfect for you! Gather and interpret data from system and understands appropriate course of action to take and initiates time-sensitive and strategic steps resulting in payment.
Medicare Risk Adjustment Coding Specialist- Remote American Health PlansMedicare Risk Adjustment Coding Specialist- RemoteFranklin, TNRemoteFull timeReview medical records, patient medical history and physical exams, physician orders, progress notes, consultation reports, diagnostic reports, operative and pathology reports, and discharge summaries to verify accuracy, completeness, specificity, and appropriateness of diagnosis codes based on services rendered. • Maintain a high level of familiarity of current CMS regulations and announcements affecting risk adjustment to include the review of regulatory announcements via educational sessions provided by regulatory entities and educational opportunities within the industry.
NewWorkers Compensation Specialist- 901 HES Facilities ManagementWorkers Compensation Specialist- 901Knoxville, TN$70,000–$80,000 / yearFounded in 1972, HES has a proven track record of working successfully and exclusively in the educational environment, maintaining a singular focus on facilities management, undistracted by competing priorities. With hundreds of years of combined facilities experience, the HES leadership team is comprised of results-oriented, hands-on executives and facilities experts who give school facilities their full attention.
Revenue Cycle Management Specialist Ellie Mental HealthRevenue Cycle Management SpecialistSmyrna, TennesseeSo we created a new model: one that puts flexibility, innovative decision-making, creativity, and our people first, while remaining a socially conscious and responsible for-profit business focused on changing how we treat mental health. The Revenue Cycle Management (RCM) Specialist oversees the full revenue cycle—from payer applications and provider credentialing to accurate billing and timely reimbursement.
Specialist-Billing Baptist Memorial Health Care CorpSpecialist-BillingMemphis, TNResponsible for the daily completion of both cliams edit, denial, and no response billing functions for timely follow up. Bills, collects and submits all insurance and TPA claims according to payer guidelines, and established procedures and workflows.
Account Reimbursement Specialist TwelveStone Health PartnersAccount Reimbursement SpecialistMurfreesboro, TNChronic conditions include Multiple Sclerosis, NMOSD, Myasthenia Gravis, CIDP, ITP, Migraine Prevention, Crohn's Disease, Ulcerative Colitis, Plaque Psoriasis, Alpha 1 Antitrypsin Deficiency, Primary Immunodeficiency, hATTR Amyloidosis, Thyroid Eye Disease, and many others. Functional Competencies: Denials processing, claims, ability to handle multiple priority and tasks, strong attention to detail, strong verbal and written communication skills, analytical skills, computer skills (Outlook, Excel, Word, etc.).