Learn about NeoPollard Interactive culture, salaries, benefits, work-life balance, management, job security, and more. Provide your name, address and account number, and note the: Reason that you are. Merchants often charge convenience fees to discourage customers. Pollard Banknote is a leading lottery partner to more than 60 lotteries worldwide, providing high quality instant ticket products, licensed games, Schafer Systems and Fastrak retail merchandising solutions, and a full suite of digital offerings, ranging from world‐class mkodo game apps to comprehensive player engagement and iLottery solutions, including strategic marketing and management. We are NeoPollard Interactive (“NPi”). November 20, 2023 Rupanshi Thapa Credit Card. Serving the largest share of U. 1 Subject to credit approval. Iteratively developed over nearly a decade, NeoSphere is engineered to incorporate unbeatable functionality, security, flexibility and efficiency into every aspect. Maybe it’s a mysterious $1 fee that could be a scam, or you suspect someone took your card number for a shopping spree. " Tap on "Debit and credit cards. com TransUnion 4447 North Central Expressway Suite 110 PMB 406 Dallas, Texas 75205 USA Phone Number:1-800-972-7204 Customer Service: 1-800-972-7204 Website: freescoresusa. , Oct. Fees can range anywhere from $50 to over $500, with some lenders waiving the fee for the first year. 3 billion in FY 2022 top-line sales in its second year of operation, the Virginia Lottery has secured its position as. Full Charge Bookkeeper. RM2. NeoPollard Interactive is an award-winning supplier of best-in-class iLottery solutions in North America. S. S. LANSING, Michigan, March 27, 2023 /PRNewswire/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”), jointly owned by Pollard Banknote Limited (“Pollard Banknote”; TSX: PBL) and NeoGames S. The first time you miss a payment, a late payment. Great, management works very hard to fit your personal schedule. S. The Lottery’s. Remote in Raleigh, NC 27601. Annual Fee. Find out what works well at NeoPollard Interactive from the people who know best. The form is often used to give businesses the ongoing authority to charge the cardholder on a recurring basis — whether that’s. Click here for the Fifth Third 1. 10 in. lotteries that currently sell products online, NPi helped pioneer the successful introduction of iLottery in the U. Credit and debit cards, ACH, eWallet, online payment mechanisms such as PayPal, and retail-based online game cards are all handled through our system. Born in the digital domain, NeoPollard Interactive LLC (“NPi ”) is an award -winning supplier of best -in-class iLottery solutions to the North American lottery market. Moti Malul, Co-CEO, NeoPollard Interactive, added, “The year-over-year growth experienced by the Lottery’s Online Play program is a testament to players’ demand for access to lottery games through their preferred channels. (Nasdaq: NGMS), is pleased to announce that it has signed an. The company offers online scratch cards games, online lottery products and services to lottery rights holders. Annual Fee: $0. “The Lottery’s success is a testament to its ability to attract and engage players across multiple channels through our best-in-class iLottery, loyalty, and mobile applicationNeoPollard Interactive | 1,555 من المتابعين على LinkedIn. Through a five-year contract extension to October 2026, with an option for renewal to 2031, NPi is honored to. 16, 2023 /CNW/ - NeoPollard Interactive LLC ("NeoPollard Interactive" or "NPi"), jointly owned by Pollard Banknote Limited ("Pollard Banknote") (TSX: PBL) and NeoGames S. S. Enjoy up to 25 free contacts each month at no cost. 1375 Email Human Resources Email General InquiriesWorking at NeoPollard is great! The managers work hard to schedule you within your availability, overtime is rarely mandatory, the pay starts off decent and there are always fun things going on in the office! Overall it is a great place to work & I would recommend them to anyone who is thinking of applying!Pollard Banknote is a leading lottery partner to more than 60 lotteries worldwide, providing high quality instant ticket products, licensed games, Schafer Systems and Fastrak retail merchandising solutions, and a full suite of digital offerings, ranging from world-class mkodo game apps to comprehensive player engagement and iLottery. NeoPollard Interactive. Previously, Angela was a HR Business Partner at Optum and also held positions at Financial Plus Credit Union, Trillium, Grand Blanc Chamber of Commerce, Quicken Loans. Cards with annual fees often have more benefits than cards that don't. Charge cards don’t have a preset spending limit. Other notable perks: 6% rebate on the first Caltex fuel purchase plus 3% fuel rebate all year round. Show More. NeoPollard Interactive. Best “Travel” Credit Cards for Online Shopping. Regularly checking and understanding your bank statements can help you identify and address any unexpected charges promptly. " Tap "Debit or credit card" to manually enter your details or select your card issuer and log in to your credit card account. Find out what works well at NeoPollard Interactive from the people who know best. A. The Virginia Lottery has been powered by NPI since 2016, when the group first. LANSING, Mich. 4 billion worth of rewards from their credit cards in 2018, with higher-income earners benefiting the most because they are far. A. com 18777899063 billed by ANETO INTERACTIVE LTD. In a statement, the firm said it was honored to strengthen its longstanding partnership with the Virginia Lottery through a five‐year contract extension to October 2026, with. A. (Nasdaq: NGMS),. 4 out of 5, based on over 18 reviews left anonymously by employees. 99. Reconcile bank/credit card/Line of Credit/etc. Ninety-six percent of cards charge a balance transfer fee of usually 3 to 5 percent, and the minimum. Remote. | Born in the digital domain, NeoPollard Interactive LLC (“NPi”) is an award-winning supplier of best-in-class iLottery solutions to the North American lottery market. | Born in the digital domain, NeoPollard Interactive LLC (“NPi”) is an award-winning supplier of best-in-class iLottery solutions to the North American lottery market. 920 N Fairview Ave, Lansing, Michigan, 48912, United States. a. However, these fees will be different if you’re using Advanced credit/debit card processing, if you’re accepting QR. Expanded partnership between NPi and the Virginia Lottery introduces full iLottery program to Virginia Lottery players NeoPollard Interactive LLC is proud to celebrate the Virginia Lottery’s successful launch of its comprehensive iLottery program on July 1, 2020. Jointly owned by Pollard Banknote and NeoGames, a global provider of iLottery platforms and games,. Serving the largest share of U. LANSING, Michigan, November 17, 2020 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”) is proud to announce its successful launch into the Canadian market through its new agreement with the Alberta Gaming, Liquor and Cannabis Commission (“AGLC”). Employer Active 19. LANSING, Michigan, October 16, 2023 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”), jointly owned by Pollard Banknote Limited (“Pollard Banknote”; TSX: PBL) and NeoGames S. We are innovative. See other posts by NeoPollard Interactive NeoPollard Interactive 1,619 followers 7mo Report this post Report Report. lotteries that currently sell online, NPi helped pioneer the successful introduction of iLottery in the U. NPi offers lotteries a suite of robust, secure, high-performance platforms created expressly for the iLottery market. LANSING, Michigan, February 17, 2021 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”) jointly owned by Pollard Banknote Limited. Previously, Angela was a HR Business Partner at Optum and also held positions at Financial Plus Credit Union, Trillium, Grand Blanc Chamber of Commerce, Quicken Loans. (Nasdaq: NGMS), is proud to announce that, following a competitive procurement process, it has been awarded a new contract to provide the West Virginia Lottery (“Lottery”) with a turn-key iLottery System. S. LANSING, Mich. 1. 2023. Dubbed as the Oscars of the egaming world. NeoPollard Interactive’s solution is robust, secure, and easy to use. lotteries that currently sell online, NPi helped pioneer. On Monday, the company confirmed it expanded the Lottery’s Online Play offerings by introducing Pick 3 and Pick 4, two new online draw games. About NeoPollard Interactive. e 1 Born in the digital domain, NeoPolla February 17, 2021 For Immediate Release NeoPollard Interactive iLottery Network Scales to $2 Billion in FY2020 LANSING, Michigan, February 17, 2021 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or Customers are advised to be vigilant and keep an eye out for various charges that could appear on their bank records. As one of the first iLottery platform. The main difference between charge cards and credit cards is your ability to carry a balance. While the issuer is investigating your complaint, you can withhold payment on the disputed amount and any finance and related charges. For example, if you pay ₱1,500 for your principal card’s annual fee, your supplementary card’s annual fee will be ₱750. They are really these people. Back Submit. A. L. The annoying thing, though, is that. SHEIN US LLC PAYMENT CHARGE. Yes & fingerprints. 99% + $0. A U. S. PTO and. . 11, 2022 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”), jointly owned by Pollard Banknote Limited (TSX: PBL) and NeoGames S. The HSBC Red Mastercard is the best credit card in the Philippines for frequent shoppers. . RETHINK PAY CHARGE on Card. Instead of. A. LEARN MORE Our Services From concept to commercialization. NeoPollard Interactive, a provider of iLottery programmes in North America, has tapped Paysafe to power a regulated online gambling website in Alberta. This decision. As of today 10/10/2021. Location. According to the RBA, surcharges for credit cards can range from 1% to 1. Credit and debit cards, ACH, eWallet, online payment mechanisms such as PayPal, and retail-based online game cards are all handled through our system. NeoPollard Interactive. NeoPollard Interactive Signs New Content Deal to Supply Industry-Leading Games to the Atlantic Lottery Corporation. Along with subsidiary company Diamond Game. 22. (2) Posted by. No credit card needed. A. LANSING, Mich. Born in the digital domain, NeoPollard Interactive LLC ("NPi") is an award-winning supplier of best-in-class iLottery solutions to the North American lottery market. Powering the most profitable iLottery programs. Hamei Hamedi, the owner of El Patio in Berkeley, California, added a 2. It may not be complete. ₱1,500 - ₱5,000. If business’s costs for payments by credit card is 1% and it charges a 1% surcharge for credit card payments, a customer buying a coffee for $4 would pay a four cents surcharge. Learn about salary, employee reviews, interviews, benefits, and work-life balance. S. LANSING, Mich. NeoPollard Interactive (NPI) announced today its first digital content partnership in North America after signing a contract with the Atlantic Lottery Corporation (ALC). About NeoPollard Interactive. Angela received a Bachelor of Business Administration degree from University. About NeoPollard Interactive . Court of Appeals on January 20, 2021 that. By exceeding $1. pulsar 855-234-4386 nc; amzn mktp ca; csc servicework brandon ms; outdoor life casperwy; ctb new variety stor; agi*bestbuy. adobe. Charge Statement Code: TU TRANSUNION freescoresusa. NeoPollard Interactive. METEORINTERACTIVE17012022 UTRECHT Learn about the "Meteorinteractive17012022 Utrecht" charge and why it appears on your credit card statement. Annual fee: ₱2,500 (free for the first year) Interest rate: 3%. S. Description. S. The majority of credit card issuers compound interest on a daily basis. ca in support of returning revenue to the citizens of Alberta. The company offers online scratch cards games, online lottery products and services to lottery rights holders. Here’s what he recommends. – Reinforces long term approach to manage existing customer accounts –– Provides option to pursue future North America iLottery opportunities through NeoPollard Interactive or independently. Interested in joining our collaborative culture and introducing innovative products and services to the North American market? See if you might be a good fit for one of these positions. com This is not the legitimate TransUnion. LANSING, Mich. In addition to the Michigan Lottery and the North Carolina Education Lottery, NPi and Paysafe’s partnerships include contracts with the Virginia Lottery and the New. Highlight Manage Subscription. Lansing, Michigan Area. “NeoPollard Interactive is very excited about its work with the Michigan Lottery. and, is North America’s. A. Established in 2014, NeoPollard Interactive combines theAbout NeoPollard Interactive. Many credit cards charge a fee every year just for having the card. 3%. This means that your interest is added to your. On Monday, the company confirmed it expanded the Lottery’s Online Play offerings by introducing Pick 3 and Pick 4, two new online draw games. LANSING, Michigan, January 24, 2022 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”), jointly owned by Pollard Banknote Limited (“Pollard Banknote”; TSX: PBL) and NeoGames S. card issuing and online cash solutions. NeoPollard Interactive has signed a content partnership with the Georgia Lottery. Typical Costs for Credit Card Processing. NeoGames and Pollard Banknote’s jointly owned company NeoPollard Interactive, announced it delivered new games for the North Carolina Education Lottery. Experience the new way to pay as you can use Credit, Rewards or EMI option while. NeoPollard Interactive (2) SimpleTire (2) Med-Scribe, Inc. S. Transactions may come from the following entities: RETHINK PAY CHARGE on Card. Easily apply:. S. 5, 2022 /PRNewswire/ - NeoPollard Interactive LLC ("NeoPollard Interactive" or "NPi"), jointly owned by Pollard Banknote Limited (TSX: PBL) and. S. Launched in July 2020, the Virginia Lottery has added more than $1. How are the working hours at NeoPollard Interactive? Asked March 5, 2020. lotteries that currently sell online, NPi helped pioneer the successful introduction of iLottery in the U. lotteries that currently sell online, NPi helped pioneer the successful introduction of iLottery in the U. Lotteries and lottery players enjoy the benefits of our unrelenting focus on the interactive lottery domain, and our. There is a minimum amount that needs to be paid. lotteries that currently sell online, NPi helped. Pollard Banknote Limited and its subcontractor, NeoGames, have announced the signing of a four-year ilottery contract extension with the Michigan Lottery. Check if it is a fraud, scam, unknown, real, or a Report A Charge NeoPollard Interactive’s solution is robust, secure, and easy to use. accounts in QuickBooks. A card on file transaction (COF) is a type of contactless payment that happens when a person has given a retailer permission to store their credit card details and charge it for future payments. Some lenders charge a yearly fee to use a card. Explore employer support and available accommodations for people with disabilities. lotteries that currently sell online, NPi helped pioneer the successful introduction of iLottery in the U. The issuer may not take action against you for using your rights. S. Move your cursor over the statement to view an explanation of each term. A credit card has a pre-defined spending limit. Credit card pricing guides. The following are examples of charges that could qualify for a credit card dispute under the FCBA: You buy a pair of shoes for $59, and when the credit card bill arrives, the charge is $559. Phone Number: 1-479-273-4000. , Jan. LANSING, Michigan, March 14, 2022 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”), jointly owned by Pollard Banknote Limited (“Pollard Banknote”; TSX: PBL) and NeoGames S. 4% for certain credit card transactions. “NPi’s growth into the broader North American market exhibits how committed we are to providing the best and most profitable iLottery solutions. Serving the largest share of U. April 4, 2023 NeoPollard Interactive Congratulates the Virginia Lottery as it Becomes the First Cloud-Based iLottery Program in the U. S. First Digital Content Deal. accounts in QuickBooks. (Nasdaq: NGMS), is proud to announce that, following a competitive procurement process, it has been awarded a new contract to provide the West Virginia. We look forward to continuing to evolve PlayAlberta. Born in the digital domain, NeoPollard Interactive LLC ("NPi") is an award-winning supplier of best-in-class iLottery solutions to the North American lottery market. . Powering the most profitable iLottery programs. With your Allied Visa Credit Card, you can enjoy a variety of state-of-the-art features and unmatched value by spending at over 49,000 merchants across Pakistan and 27 million merchant outlets worldwide! And what more, you can also use your credit card at over 1 million ATMs internationally!Buy anything now, pay everything later. , Oct. The typical credit card processing fees (specifically, the interchange fees paid to the card-issuing bank) for the four most popular credit card brands (i. ” About NeoPollard Interactive Working at NeoPollard is great! The managers work hard to schedule you within your availability, overtime is rarely mandatory, the pay starts off decent and there are always fun things going on in the office! NeoPollard Interactive General Information. Comparable business travel credit cards, like the Ink Business Preferred and Spark Mile. ideas from the ground up We help companies identify and manage the changes they must make to grow, accelerate, transform, and dominate their market. You can also use a wide range of payment methods to withdraw your winnings. NeoPollard Interactive is an award-winning supplier of best-in-class iLottery solutions in North America. So if your APR is, say, 18. LANSING, Michigan, October 16, 2023 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”), jointly owned by Pollard Banknote Limited (TSX: PBL) and NeoGames S. S. I update my credit card payment card, and noticed two attempted was being pending, when it should be for just one payment on each month in the about of $8. Angela Richardson is a Manager, Human Resources at NeoPollard Interactive based in Lansing, Michigan. Job Types: Full-time, Part-time. Let's say your average daily balance is $1,200. When you add a new payment method, this temporary authorization may appear on your account and will disappear after a few days, depending on your bank or credit card company. lotteries that currently sell online, NPi helped pioneer the successful introduction of iLottery in the U. A summary of the transactions on your account—your payments, credits, purchases. Serving the largest share of U. 21 Like Comment Share. Annual fees of supplementary cards are usually half of the principal cards’ fees. NeoPollard Interactive LLC ("NeoPollard Interactive" or "NPi"), jointly owned by Pollard Banknote Limited ("Pollard Banknote") (TSX: PBL) and NeoGames S. Common credit card fees. Just as impressive as this milestone achievement is the. 55. A Charge Card has no pre-set spending limit1. Potential Charges Noticed on Your Bank Statements. A. When you receive the shoes, they’re the wrong color or size. S. ca, NPi deployed its technology, a full suite of managed services, and its game content on. Explore all NeoPollard Interactive office locations. Careers. NeoPollard Interactive (NPi), North America’s leading provider of innovative iLottery solutions,LANSING, Michigan, January 22, 2021 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”) jointly owned by Pollard Banknote Limited (“Pollard Banknote”; TSX: PBL) and NeoGames S. Customer Service Representative at NeoPollard Interactive. Transactions may come from the following entities: TopWare Store Charge; Wepay WPY* Charges On Bank Statement; NBA League Pass Charge on Debit Card; NEOPOLLARD INTERACTIVE; NFL NEW YORK Charges; THREE MAIN CREDIT BUREAUS About NeoPollard Interactive Born in the digital domain, NeoPollard Interactive LLC ("NPi") is an award-winning supplier of best-in-class iLottery solutions to the North American lottery market. Serving the largest share of U. LANSING, Michigan, March 27, 2023 /PRNewswire/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”), jointly owned by Pollard Banknote Limited (“Pollard Banknote”; TSX: PBL) and NeoGames S. Serving the largest share of U. 702 SW 8th Street, Bentonville, AR 72716, USA. Transactions may come from the following entities: RETHINK PAY CHARGE on Card; NEOPOLLARD. The New Hampshire Lottery Commission (NHLC) and its iLottery vendor, NeoPollard Interactive (NeoPollard), sued the Department of Justice for declaratory relief, 99 fearing that the 2018 DOJ opinion would criminalize lottery games upon which the state relies for revenue. The 69% year. Monday to Friday +3. | Born in the digital domain, NeoPollard Interactive LLC (“NPi”) is an award-winning supplier of best-in-class iLottery solutions to the North American lottery market. (Nasdaq: NGMS), congratulates the North. Buy now, pay later payment options essentially allow you to take out a microloan to make a purchase, then pay back that loan in installments. Mark Page works at NeoPollard Interactive, which is a Gambling & Gaming company with an estimated 34 employees. Annual fees. YOUR. About NeoPollard Interactive Born in the digital domain, NeoPollard Interactive LLC ("NPi") is an award-winning supplier of best-in-class iLottery solutions to the North American lottery market. It’s already powering the Michigan, Virginia, and New Hampshire Lotteries, handling player management, game management, payments, compliance, responsible gaming, and all essential iLottery functions. Your payment will be shown on. and isNeoPollard Interactive has signed a new agreement with the Georgia Lottery and the company will deliver dedicated game content to the operator. A lifetime free credit card comes with zero joining or annual fee. NeoPollard Interactive has recently applauded its long-lasting partners Virginia Lottery on its impressive financial results for the 2021 fiscal year. Lottery Fundamentals. Note that the rates above are just for principal cards. NeoPollard Interactive LLC ("NeoPollard Interactive" or "NPi"), jointly owned by Pollard Banknote Limited (TSX: PBL) and NeoGames S. ca,. We work to reduce costs and optimize approval rates of. Serving the largest share of U. About NeoPollard Interactive. “We operate on such small. credit card. S. Serving the largest share of U. Digitally born, player-focused, and proudly powering the most profitable iLottery programs in North America through our interactive games,. 24, 2022. 920 N Fairview Ave, Lansing, Michigan, 48912, United States. LANSING, Mich. Intro APR Offer: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. Your liability for fraudulent or unauthorized charges on your credit card is limited to $50 under the Fair Credit Billing Act. 5% of the total transaction–and additional fees for chargebacks, late payments, and other incidentals further cut into profits. NeoPollard Interactive LLC ("NeoPollard Interactive" or "NPi"), jointly owned by Pollard Banknote Limited (TSX: PBL) and NeoGames S. Diners are pushing back. Paysafe and. Disputed charge with credit card company and now PlayStation has banned our account. Aug 15, 2023 Paysafe Reports Second Quarter 2023 Results; Raises Full Year Outlook. S. All fees quoted include VAT and are effective from 1 January 2023 to 31 December 2023. Select Cancel Subscription. Never had a chargeback, dispute or anything like that. Every note card, physical or digital, comes with a unique. A. 24%, 24. Our partners at the North Carolina Education Lottery are leading the charge with Customer Relationship Management (#CRM)! The lottery’s Lucke-Rewards loyalty… NeoPollard Interactive on. Through a five-year contract extension to October 2026, with an option for. Insurance, Health & Wellness Financial & Retirement Vacation & Time Off Perks & Discounts Professional Support. No credit card needed. ” About NeoPollard InteractiveWorking at NeoPollard is great! The managers work hard to schedule you within your availability, overtime is rarely mandatory, the pay starts off decent and there are always fun things going on in the office!NeoPollard Interactive General Information. Reviews from NeoPollard Interactive employees about NeoPollard Interactive culture, salaries, benefits, work-life balance, management, job security, and more. It provides a combination of games, technology platforms and operational services. Monthly Credit Card Interest Rate. School name. LANSING, MI, Oct. A. lottery to operate a completely cloud-based. Angela Richardson is a Manager, Human Resources at NeoPollard Interactive based in Lansing, Michigan. LANSING, Mich. A. EZSIGNUP Charge. “NPi’s growth into the broader North American market exhibits how committed we are to providing the best and most profitable iLottery solutions. Select "Add banks and card. 491 seguidores no LinkedIn. Contact Information. My CBS account states my account is managed by Roku and does not allow me to. Our experienced team understands the segments of player appeal and. managed subscriptions and to check the service. In addition—responsible gaming popups remind players of their play time and easy self-exclusion tools allow players to disable play for a set time. The average APR is between about 17 and 24 percent. I cancelled CBS all access subscription on ROKU months ago. Fighting chargebacks (and winning) is all about presenting the right evidence. NeoPollard Interactive | 1,747 followers on LinkedIn. Congratulations to our partners at playalberta. Fill out the cancelation form. Our lottery partners will attest that NPi is a. Description. You can find more information about Outside+ here. S. lotteries that currently sell online, NPi helped pioneer. ("NeoGames") (Nasdaq: NGMS), is proud to announce that, for the third time, it has been recognized as the Lottery Supplier of the Year and that its. You may hear this called a "credit limit. The two companies also currently supply similar solutions for four About NeoPollard Interactive Born in the digital domain, NeoPollard Interactive LLC ("NPi") is an award-winning supplier of best-in-class iLottery solutions to the North American lottery market. S. Collaborating For Success. 24% on Purchases and Balance Transfers after the introductory period. FOR MORE INFORMATION ABOUT NEOPOLLARD INTERACTIVE, CONTACT: Doug Pollard Co-Chief Executive Officer Pollard Banknote Limited. Finally, multiply your average daily balance by the DPR, and then multiply the result by the number of days in your billing cycle. You can see a list of brands here. The interest rate will be calculated in the following scenarios as follows: (i) If the user paid the full amount due on his/her credit card by March 26, 2023 – No interest charges applicable. 11, 2022 /CNW/ – NeoPollard Interactive LLC (“NeoPollard Interactive” or “NPi”), jointly owned by Pollard Banknote Limited (TSX: PBL) and NeoGames S. This rating has improved by 5% over the last 12 months. , Dec.