Anxiety Therapists in Ohsweken, ON

Photo of Katie Schermerhorn, RP, BA, Registered Psychotherapist
Katie Schermerhorn
Registered Psychotherapist, RP, BA
Verified Verified
2 Endorsed
Ohsweken, ON N0A
I specialize in treating anxiety, trauma and addictions (both behavioral and substance related). I have been in the counselling field since 2012 and bring experience and extensive training to my practice. I believe that with the right support, we are all able to overcome challenges that we never thought possible. I am an approved Mental Health Provider for the NIHB Program for eligible First Nations People. Online sessions also available. I am trained in a variety of methods, including Brainspotting and EMDR for trauma.
I specialize in treating anxiety, trauma and addictions (both behavioral and substance related). I have been in the counselling field since 2012 and bring experience and extensive training to my practice. I believe that with the right support, we are all able to overcome challenges that we never thought possible. I am an approved Mental Health Provider for the NIHB Program for eligible First Nations People. Online sessions also available. I am trained in a variety of methods, including Brainspotting and EMDR for trauma.
(289) 277-0143 View (289) 277-0143
Photo of Dawn Zivanovich - Dawn Associates, BA, MSW, RSW, Registered Social Worker
Dawn Associates
Registered Social Worker, BA, MSW, RSW
Verified Verified
2 Endorsed
Ohsweken, ON N0A
We are dedicated to working with you & your partner, or your child, preteen or teenager deal with any number of issues including communication & conflict, addictions, bullying, behaviour & academic problems, peer, anxiety & depression.
Are you feeling stressed due to your job or workplace, family relationships or dealing with school or peers? Do you have trauma or distressing memories that are intruding on your ability to function? Do you feel overwhelmed, anxious and distressed about your situation or the issues in your life? Are you ready to talk to a therapist who can help you to navigate the problems, and work with you to reduce your anxious and negative thoughts?
We are dedicated to working with you & your partner, or your child, preteen or teenager deal with any number of issues including communication & conflict, addictions, bullying, behaviour & academic problems, peer, anxiety & depression.
Are you feeling stressed due to your job or workplace, family relationships or dealing with school or peers? Do you have trauma or distressing memories that are intruding on your ability to function? Do you feel overwhelmed, anxious and distressed about your situation or the issues in your life? Are you ready to talk to a therapist who can help you to navigate the problems, and work with you to reduce your anxious and negative thoughts?
(289) 206-8783 View (289) 206-8783
Photo of Dawn Cheryl Hill - Sacred Circle Therapy—Dawn C. Hill, BA, MSW, RSW, Registered Social Worker
Sacred Circle Therapy—Dawn C. Hill
Registered Social Worker, BA, MSW, RSW
Verified Verified
Ohsweken, ON N0A  (Online Only)
Dawn's practice specializes in healing from acute, chronic, and intergenerational trauma. We will work on addressing and healing the root causes of the symptoms such as addictions, anxiety, depression, grief, overthinking, perfectionism, relationship difficulties, self-esteem and the epigentic transferral of trauma. The focus of the transformative healing journey will be on empowerment, establishing resilience, and personal growth. The treatment modailites used will be tailored to meet the specific needs of each client, including residential school surviors and others who have faced traumatic situations in their lives.
Dawn's practice specializes in healing from acute, chronic, and intergenerational trauma. We will work on addressing and healing the root causes of the symptoms such as addictions, anxiety, depression, grief, overthinking, perfectionism, relationship difficulties, self-esteem and the epigentic transferral of trauma. The focus of the transformative healing journey will be on empowerment, establishing resilience, and personal growth. The treatment modailites used will be tailored to meet the specific needs of each client, including residential school surviors and others who have faced traumatic situations in their lives.
(226) 894-4228 View (226) 894-4228
Photo of Ryanna Barban, MSW, BSW, RSW, BA, Registered Social Worker
Ryanna Barban
Registered Social Worker, MSW, BSW, RSW, BA
Verified Verified
1 Endorsed
Ohsweken, ON N0A
Our lives are not entirely defined by what has happened to us but rather by how we choose to make sense of it and who we choose to be as a result. My vocation and commitment to supporting individuals to overcome adversity, trauma, and problems in living are rooted in the Ubuntu philosophy. Providing support across all age groups, I promote inner self-discovery and self-mastery. I offer unique individual-specific approaches to empower self-actualization by challenging unhelpful beliefs, improving self-concept, working through painful experiences, accessing resources, and changing unhealthy habits to live more authentically.
Our lives are not entirely defined by what has happened to us but rather by how we choose to make sense of it and who we choose to be as a result. My vocation and commitment to supporting individuals to overcome adversity, trauma, and problems in living are rooted in the Ubuntu philosophy. Providing support across all age groups, I promote inner self-discovery and self-mastery. I offer unique individual-specific approaches to empower self-actualization by challenging unhelpful beliefs, improving self-concept, working through painful experiences, accessing resources, and changing unhealthy habits to live more authentically.
(226) 917-9248 View (226) 917-9248

More Therapists Nearby

Photo of Arden Smelser, MA, MSW, RSW, Clinical Social Work/Therapist
Arden Smelser
Clinical Social Work/Therapist, MA, MSW, RSW
Verified Verified
1 Endorsed
Hagersville, ON N0A
I specialize in addressing a broad spectrum of issues, including trauma, anxiety, stress, depression, emotion dysregulation, grief and loss, self-harm, relationship problems, behavioral concerns, and addictions.
Life can be challenging, but support is available. I offer therapy for individuals of all ages—children, adolescents, and adults—providing a safe and supportive space to navigate life's difficulties. My approach, rooted in mindfulness and self-compassion, is designed to help manage today's complexities and foster personal growth.
I specialize in addressing a broad spectrum of issues, including trauma, anxiety, stress, depression, emotion dysregulation, grief and loss, self-harm, relationship problems, behavioral concerns, and addictions.
Life can be challenging, but support is available. I offer therapy for individuals of all ages—children, adolescents, and adults—providing a safe and supportive space to navigate life's difficulties. My approach, rooted in mindfulness and self-compassion, is designed to help manage today's complexities and foster personal growth.
(226) 741-3672 View (226) 741-3672
Photo of Lynda Sacco, MSW, RSW, CHyp, Registered Social Worker
Lynda Sacco
Registered Social Worker, MSW, RSW, CHyp
Verified Verified
Hagersville, ON N0A
You do not have to suffer any longer - feeling trapped in an impossible situation, or being controlled by fear, anxiety or habits that affect your quality of life.
Feeling anxious, depressed, stressed-out, or just plain stuck? It is difficult to imagine any person at any age or stage of life who has not felt the impact of Covid. It has affected us not just as individuals, but also our family relationships, work lives, school lives, social lives and our ability to participate in the community. Social isolation and stress are major factors in depression and anxiety, and the rates of these have skyrocketed since the onset of Covid. Chronic stress, anxiety and trauma can lead to negative ways of coping, hurting ourselves and our relationships. Time to reinvent ourselves, create positive changes?
You do not have to suffer any longer - feeling trapped in an impossible situation, or being controlled by fear, anxiety or habits that affect your quality of life.
Feeling anxious, depressed, stressed-out, or just plain stuck? It is difficult to imagine any person at any age or stage of life who has not felt the impact of Covid. It has affected us not just as individuals, but also our family relationships, work lives, school lives, social lives and our ability to participate in the community. Social isolation and stress are major factors in depression and anxiety, and the rates of these have skyrocketed since the onset of Covid. Chronic stress, anxiety and trauma can lead to negative ways of coping, hurting ourselves and our relationships. Time to reinvent ourselves, create positive changes?
(289) 769-9093 View (289) 769-9093
Photo of Jeanne Marie Wilhelmus, BEd, MACP, Registered Psychotherapist
Jeanne Marie Wilhelmus
Registered Psychotherapist, BEd, MACP
Verified Verified
Port Dover, ON N0A
My practice focuses on adult clients with various mental health challenges using Cognitive Behaviourial Therapy. Many of my clients are coping with negative emotional and physical symptoms of anxiety, depression, chronic pain, diagnoses such as ADHD , insomnia, abuse, guilt and life changes such as perimenopause. Many clients are struggling to accept major changes in their lives, trying to make decisions or solve problems in personal and professional area and are seeking to build coping strategies.
My practice focuses on adult clients with various mental health challenges using Cognitive Behaviourial Therapy. Many of my clients are coping with negative emotional and physical symptoms of anxiety, depression, chronic pain, diagnoses such as ADHD , insomnia, abuse, guilt and life changes such as perimenopause. Many clients are struggling to accept major changes in their lives, trying to make decisions or solve problems in personal and professional area and are seeking to build coping strategies.
(226) 455-5988 View (226) 455-5988
Photo of Rebekah Laferriere, MSW, RSW, PMH-C, Registered Social Worker
Rebekah Laferriere
Registered Social Worker, MSW, RSW, PMH-C
Verified Verified
4 Endorsed
Cayuga, ON N0A
Sometimes we need a person to help us carry that anxiety or sadness and figure out what to do next.
Are you struggling? Overwhelmed? Feeling frustrated or stuck? Maybe you've noticed waves of anxiety or periods of low mood. Taking care of our families, our loved ones and ourselves can feel like it's too much some days. You are not alone. Maybe you'd like to talk about strategies that might help ease the tough moments, or maybe you just need someone to sit with, while you talk about the hard and scary stuff. We often brush aside our own needs to take care of our people, until it bubbles over and we don't recognize ourselves. Let's get back to you.
Sometimes we need a person to help us carry that anxiety or sadness and figure out what to do next.
Are you struggling? Overwhelmed? Feeling frustrated or stuck? Maybe you've noticed waves of anxiety or periods of low mood. Taking care of our families, our loved ones and ourselves can feel like it's too much some days. You are not alone. Maybe you'd like to talk about strategies that might help ease the tough moments, or maybe you just need someone to sit with, while you talk about the hard and scary stuff. We often brush aside our own needs to take care of our people, until it bubbles over and we don't recognize ourselves. Let's get back to you.
(226) 778-2207 View (226) 778-2207
Photo of Elisa Rendina-Ashley - Mareas Therapeutic Services Inc, CYC, RP, BSW, MSW
Mareas Therapeutic Services Inc
CYC, RP, BSW, MSW
Verified Verified
Cayuga, ON N0A
Mareas was established as a specialized service provider to meet the needs of individuals, children and families experiencing challenges in the areas of emotional regulation, anxiety, attachment, interfering behaviours. Mareas recognizes that from time to time, everyone including all families need support. Programs and treatment plans are designed with a holistic approach with the client as the focus. Mareas is committed to providing nurturing and dedicated support to individuals, children, youth and families during difficult periods of time to help them get back on course.
Mareas was established as a specialized service provider to meet the needs of individuals, children and families experiencing challenges in the areas of emotional regulation, anxiety, attachment, interfering behaviours. Mareas recognizes that from time to time, everyone including all families need support. Programs and treatment plans are designed with a holistic approach with the client as the focus. Mareas is committed to providing nurturing and dedicated support to individuals, children, youth and families during difficult periods of time to help them get back on course.
(365) 398-0745 View (365) 398-0745
Photo of James Sullivan, BMus, MACP, Registered Psychotherapist (Qualifying)
James Sullivan
Registered Psychotherapist (Qualifying), BMus, MACP
Verified Verified
3 Endorsed
Port Dover, ON N0A  (Online Only)
I aim to help clients gain a deeper understanding of self, starting with their own relationship with their self. Striding towards self acceptance, while working through challenges brought on by , self-esteem, sexuality, gender, anxiety, neurodivergence, depression and much more. Self-exploration often comes with discomfort, as your guide I will walk alongside you on your journey. I am a firm believer that each client is the expert in their own life, and encourage independence, confidence, self-care in all aspects of life. While my clients often reflect similarities in my own identity, I work with clients from all backgrounds.
I aim to help clients gain a deeper understanding of self, starting with their own relationship with their self. Striding towards self acceptance, while working through challenges brought on by , self-esteem, sexuality, gender, anxiety, neurodivergence, depression and much more. Self-exploration often comes with discomfort, as your guide I will walk alongside you on your journey. I am a firm believer that each client is the expert in their own life, and encourage independence, confidence, self-care in all aspects of life. While my clients often reflect similarities in my own identity, I work with clients from all backgrounds.
(437) 500-6423 View (437) 500-6423
Photo of Melanie Stiller, MACP, RP(Q), CTIC, Registered Psychotherapist (Qualifying)
Melanie Stiller
Registered Psychotherapist (Qualifying), MACP, RP(Q), CTIC
Verified Verified
1 Endorsed
Hagersville, ON N0A
Perhaps you are wondering if you have the strength, resources, or ability to navigate your challenging situation or relationship. Perhaps you feel stuck in negative patterns of thinking or acting. Perhaps you are struggling with depression, anxiety, or emotional distress. Perhaps you have experienced trauma, either recently or in your past, and you notice the impact it still has on you today. It is helpful to be aware of how our past experiences and relationships help to create patterns, some positive and some that indicate areas where we need to grow. Whatever your reason for seeking counselling, I applaud you for taking this step.
Perhaps you are wondering if you have the strength, resources, or ability to navigate your challenging situation or relationship. Perhaps you feel stuck in negative patterns of thinking or acting. Perhaps you are struggling with depression, anxiety, or emotional distress. Perhaps you have experienced trauma, either recently or in your past, and you notice the impact it still has on you today. It is helpful to be aware of how our past experiences and relationships help to create patterns, some positive and some that indicate areas where we need to grow. Whatever your reason for seeking counselling, I applaud you for taking this step.
(226) 243-7169 View (226) 243-7169
Photo of Rebecca Laxton-Gilbertson, BSW, MSW, RSW, Registered Social Worker
Rebecca Laxton-Gilbertson
Registered Social Worker, BSW, MSW, RSW
Verified Verified
1 Endorsed
Hagersville, ON N0A
Does your child struggle with executive functioning skills, anxious thoughts, anger? Do you wonder if life should feel somehow better for them? Happier? Do you feel exhausted, overwhelmed, frustrated, or lost trying to support your child? Now more than ever, children and youth are feeling anxious, overwhelmed and uncertain about how they are supposed to manage their emotions and find their place in life.
Does your child struggle with executive functioning skills, anxious thoughts, anger? Do you wonder if life should feel somehow better for them? Happier? Do you feel exhausted, overwhelmed, frustrated, or lost trying to support your child? Now more than ever, children and youth are feeling anxious, overwhelmed and uncertain about how they are supposed to manage their emotions and find their place in life.
(289) 312-2031 View (289) 312-2031
Photo of Brady Hutchinson - Cornerstone Counselling Services, MA, RP, Registered Psychotherapist
Cornerstone Counselling Services
Registered Psychotherapist, MA, RP
Verified Verified
7 Endorsed
Hagersville, ON N0A
Our specialties include trauma, addictions, anxiety and mood disorders, personality disorders, and complex couples counselling involving the above concerns.
Cornerstone's caring professionals approach therapy as an equal partnership between client and counsellor. We help our clients to regain hope, drop the struggle with difficult emotions, and take positive steps toward a more rich, full and meaningful life. Online booking is available for your convenience. To help meet your insurance needs, we have both Registered Psychotherapists and Registered Social Workers (MSW/RSW) available. Our clients include First Nations people, Veterans, and those in the Canadian Armed Forces. In addition to traditional talk therapy, we also offer EMDR and brainspotting.
Our specialties include trauma, addictions, anxiety and mood disorders, personality disorders, and complex couples counselling involving the above concerns.
Cornerstone's caring professionals approach therapy as an equal partnership between client and counsellor. We help our clients to regain hope, drop the struggle with difficult emotions, and take positive steps toward a more rich, full and meaningful life. Online booking is available for your convenience. To help meet your insurance needs, we have both Registered Psychotherapists and Registered Social Workers (MSW/RSW) available. Our clients include First Nations people, Veterans, and those in the Canadian Armed Forces. In addition to traditional talk therapy, we also offer EMDR and brainspotting.
(844) 285-9649 View (844) 285-9649
Photo of Andrew Emmott, RP, MA, MDiv, Registered Psychotherapist
Andrew Emmott
Registered Psychotherapist, RP, MA, MDiv
Verified Verified
1 Endorsed
Hagersville, ON N0A
My specialties are couples and relationships, grief and loss, anxiety and mood disorders.
I would like to offer you the opportunity to bring your concerns to a safe, supportive place where together we can work to find new perspectives, new strategies, and the comfort of not being alone in the journey.
My specialties are couples and relationships, grief and loss, anxiety and mood disorders.
I would like to offer you the opportunity to bring your concerns to a safe, supportive place where together we can work to find new perspectives, new strategies, and the comfort of not being alone in the journey.
(833) 600-0203 View (833) 600-0203
Photo of Andrea Berkel, MSW, BSW , RSW, Registered Social Worker
Andrea Berkel
Registered Social Worker, MSW, BSW , RSW
Verified Verified
Jarvis, ON N0A
I provide support to individuals experiencing a range of concerns including depression, anxiety, stress, grief and problems with sleep. I have extensive experience working with older adults and their caregivers, with knowledge about dementia and the impact of the disease on family members. I also provide support to people as they encounter a changing body and increased health concerns which impact their day-to-day life and maybe even independence. I work with people as they grieve and accept changes and work with them to identify strategies that help them to move towards the life they want to live.
I provide support to individuals experiencing a range of concerns including depression, anxiety, stress, grief and problems with sleep. I have extensive experience working with older adults and their caregivers, with knowledge about dementia and the impact of the disease on family members. I also provide support to people as they encounter a changing body and increased health concerns which impact their day-to-day life and maybe even independence. I work with people as they grieve and accept changes and work with them to identify strategies that help them to move towards the life they want to live.
(226) 705-1057 View (226) 705-1057
Photo of Stephanie DiBiase, BA, MSW, RSW, Registered Social Worker
Stephanie DiBiase
Registered Social Worker, BA, MSW, RSW
Verified Verified
Hagersville, ON N0A
Do you find yourself struggling with anxious thoughts or low mood? Are you feeling overwhelmed trying to keep up with the endless to-do lists and needs of those around you? The demands of everyday life can quickly add up. It is possible you feel depleted, or even experience unwanted feelings of resentment. As a therapist who focuses on stress and burnout, I understand the impact this can have on you and your relationships. While this cycle may feel relentless, I am here to remind you it does not have to be. I believe that everyone is worthy of having a good relationship with both themselves and those around them.
Do you find yourself struggling with anxious thoughts or low mood? Are you feeling overwhelmed trying to keep up with the endless to-do lists and needs of those around you? The demands of everyday life can quickly add up. It is possible you feel depleted, or even experience unwanted feelings of resentment. As a therapist who focuses on stress and burnout, I understand the impact this can have on you and your relationships. While this cycle may feel relentless, I am here to remind you it does not have to be. I believe that everyone is worthy of having a good relationship with both themselves and those around them.
(289) 207-5268 View (289) 207-5268
Photo of Lauralee Kadak, RP, Registered Psychotherapist
Lauralee Kadak
Registered Psychotherapist, RP
Verified Verified
Port Dover, ON N0A  (Online Only)
The first step is the hardest and making changes in your life can feel overwhelming. Your journey is unique, but you are not alone! My sessions offer a safe and supportive place where you can feel comfortable expressing your feelings and emotions and where vulnerability does not mean weakness.
The first step is the hardest and making changes in your life can feel overwhelming. Your journey is unique, but you are not alone! My sessions offer a safe and supportive place where you can feel comfortable expressing your feelings and emotions and where vulnerability does not mean weakness.
(226) 781-3716 View (226) 781-3716
Photo of Tara Telfer - Great Lakes Counselling & Consultation Services , MSW, RSW, Registered Social Worker
Great Lakes Counselling & Consultation Services
Registered Social Worker, MSW, RSW
Verified Verified
Port Dover, ON N0A
We offer IN-PERSON and video/telephone appointments and have evening and weekend availability. The Clinicians at Great Lakes engage in continuing competence activities and offer strength-based, person-centered, trauma informed, solution focused, culturally aware, non-judgmental and anti-oppressive counselling to individuals, groups, children, youth, couples and families. All Clinicians are registered and are trained in various types of counselling modalities. The Clinician's hold additional certificates in mental health and addiction, trauma and attachment, and suicide intervention.
We offer IN-PERSON and video/telephone appointments and have evening and weekend availability. The Clinicians at Great Lakes engage in continuing competence activities and offer strength-based, person-centered, trauma informed, solution focused, culturally aware, non-judgmental and anti-oppressive counselling to individuals, groups, children, youth, couples and families. All Clinicians are registered and are trained in various types of counselling modalities. The Clinician's hold additional certificates in mental health and addiction, trauma and attachment, and suicide intervention.
(226) 887-8506 View (226) 887-8506
Photo of Jennifer Maxwell, MSW, RSW, Registered Social Worker
Jennifer Maxwell
Registered Social Worker, MSW, RSW
Verified Verified
Hagersville, ON N0A
With years of experience in the field of psychotherapy and counseling, I bring a wealth of knowledge, empathy, and understanding to our sessions. My approach is rooted in the belief that every individual’s journey is unique, and I am here to walk alongside you as you explore your thoughts, feelings, and aspirations. I believe that the therapeutic relationship is the cornerstone of meaningful change. My approach is warm, non-judgmental, and collaborative. Together, we will uncover the underlying causes of your challenges and work towards fostering self-awareness, resilience, and empowerment. I draw from a therapeutic modalities.
With years of experience in the field of psychotherapy and counseling, I bring a wealth of knowledge, empathy, and understanding to our sessions. My approach is rooted in the belief that every individual’s journey is unique, and I am here to walk alongside you as you explore your thoughts, feelings, and aspirations. I believe that the therapeutic relationship is the cornerstone of meaningful change. My approach is warm, non-judgmental, and collaborative. Together, we will uncover the underlying causes of your challenges and work towards fostering self-awareness, resilience, and empowerment. I draw from a therapeutic modalities.
(365) 364-0771 View (365) 364-0771
Photo of Avril Ferguson- Trauma- Perinatal- Anxiety - Norfolk County Counselling, RP, CC-BRT, Registered Psychotherapist
Avril Ferguson- Trauma- Perinatal- Anxiety - Norfolk County Counselling
Registered Psychotherapist, RP, CC-BRT
Verified Verified
6 Endorsed
Port Dover, ON N0A
I offer in-person, online, or hybrid appointments. My main areas of practice are trauma, and women’s reproductive health. This includes fertility, prenatal, postpartum, and parenthood. I am a certified in: perinatal mental health, birth/reproductive trauma, and perinatal grief/loss. I offer compassion and understanding to create a safe environment to explore difficult issues and intense emotions. By working together we can move towards healing. Therapy can kick start our journey of parenthood, healing, autonomy, purpose in life, positive relations, change and happiness.
I offer in-person, online, or hybrid appointments. My main areas of practice are trauma, and women’s reproductive health. This includes fertility, prenatal, postpartum, and parenthood. I am a certified in: perinatal mental health, birth/reproductive trauma, and perinatal grief/loss. I offer compassion and understanding to create a safe environment to explore difficult issues and intense emotions. By working together we can move towards healing. Therapy can kick start our journey of parenthood, healing, autonomy, purpose in life, positive relations, change and happiness.
(226) 400-1688 View (226) 400-1688

See more therapy options for Ohsweken

Anxiety Counsellors

What are the most common treatments for anxiety?

Talk therapy, particularly cognitive behavioural therapy, is the most common treatment for anxiety. Studies have shown it is equally effective as medication. Other forms of therapy are popular, depending on a patient’s experience. Exposure therapy, for instance, can be useful for people dealing with fears and phobias, or who have experienced traumatic events. Dialectical Behavioural Therapy may be useful for patients who need help with emotion regulation. Anxiolytic medications, like benzodiazepines, can also help with calming a person enough to focus on the skills they’ve learned, and physical exercise has been shown to help symptoms of anxiety across the board.

How long does therapy for anxiety take to work?

The amount of time needed to alleviate symptoms depends on the severity of a person’s condition. Some therapies may take 5-20 weekly sessions to show results. Anti-depressant medications typically take two to four weeks before a benefit is felt. Anti-anxiety medications are felt typically within 20-30 minutes. Medications are best used to offer a patient a better headspace in which to work on techniques learned in therapy. Exercise, improved sleep habits, and meditation are effective, but takes weeks or months to show results.

When should I seek treatment for anxiety?

Everyone feels anxious at times, but when anxiety causes disruption to your daily life, it may be time to seek help. Such disruption can be mental, physical, or both: having fear dominate your thoughts, avoiding situations or objects that bring on feelings of anxiety, or experiencing shortness of breath, sweating, dizziness, or panic attacks. When these symptoms are recurrent and distressing, it may be time to talk to someone.

How effective is treatment for anxiety?

Treatment for anxiety has been shown to be moderately to highly effective, according to a large body of psychology studies and analyses. For some people, treatment using CBT or exposure therapy alone is effective. Others respond best to a combination of medication and therapy.