Photo of Greg Perlman, LCSW, Clinical Social Work/Therapist
Greg Perlman
Clinical Social Work/Therapist, LCSW
Verified Verified
Croton On Hudson, NY 10520
Greg also has experience working with teens and adults who suffer from academic and work stress, relationship stress, anxiety, depression, family stress, "failure to launch" and substance abuse.
Greg is a licensed clinical social worker who treats children, teens, adults, and families. He uses a client-centered, strengths-based approach utilizing aspects of CBT, DBT, and solution-focused treatment. Greg helps his clients challenge negative thinking to foster positive change, assists his clients in providing mindfulness techniques using music and art to reduce stress, and aids his clients in identifying triggers and coping skills to manage emotional distress.
Greg also has experience working with teens and adults who suffer from academic and work stress, relationship stress, anxiety, depression, family stress, "failure to launch" and substance abuse.
Greg is a licensed clinical social worker who treats children, teens, adults, and families. He uses a client-centered, strengths-based approach utilizing aspects of CBT, DBT, and solution-focused treatment. Greg helps his clients challenge negative thinking to foster positive change, assists his clients in providing mindfulness techniques using music and art to reduce stress, and aids his clients in identifying triggers and coping skills to manage emotional distress.
(845) 668-9008 View (845) 668-9008
Photo of Annie Bingaman, LCSW, Clinical Social Work/Therapist
Annie Bingaman
Clinical Social Work/Therapist, LCSW
Verified Verified
3 Endorsed
Croton On Hudson, NY 10520
Coping with life’s challenges is not always easy and finding a therapist is often a huge step. Therapy can help us to better understand ourselves and develop the tools required for living our fullest and most authentic life. I focus on helping women and the LGBTQ+ community with challenges such as: trauma, depression, anxiety and life transitions. I am especially skilled in helping young adults (18-35 years) navigate the challenges that come along with this phase of life. If you're feeling stuck and unsure of what direction to go in, I'm here to support you in finding a path.
Coping with life’s challenges is not always easy and finding a therapist is often a huge step. Therapy can help us to better understand ourselves and develop the tools required for living our fullest and most authentic life. I focus on helping women and the LGBTQ+ community with challenges such as: trauma, depression, anxiety and life transitions. I am especially skilled in helping young adults (18-35 years) navigate the challenges that come along with this phase of life. If you're feeling stuck and unsure of what direction to go in, I'm here to support you in finding a path.
(845) 237-3848 View (845) 237-3848
Photo of Tina Marie Maxwell, LMSW, BC-DMT, Clinical Social Work/Therapist
Tina Marie Maxwell
Clinical Social Work/Therapist, LMSW, BC-DMT
Verified Verified
Croton On Hudson, NY 10520
Dance Movement therapy techniques of Mind Body Connection, de-escalation, anxiety control, as well as traditional therapy are used within each session.
Do you feel stuck ? Do you feel overwhelmed by your emotions? Using the language of movement in conjunction with talk therapy, we will establish a conversation toward change. Coping techniques will be explored in order to navigate through difficult life changes .I primarily work with issues related to aging, and acceptance of life changes that aging brings as well as embracing the future. Traditional talk therapy is also utilized to underline and support effective change. Group and individual sessions available
Dance Movement therapy techniques of Mind Body Connection, de-escalation, anxiety control, as well as traditional therapy are used within each session.
Do you feel stuck ? Do you feel overwhelmed by your emotions? Using the language of movement in conjunction with talk therapy, we will establish a conversation toward change. Coping techniques will be explored in order to navigate through difficult life changes .I primarily work with issues related to aging, and acceptance of life changes that aging brings as well as embracing the future. Traditional talk therapy is also utilized to underline and support effective change. Group and individual sessions available
(914) 312-4937 View (914) 312-4937
Photo of Tina M. Triburgo Lcsw, LCSW, EMDR, Clinical Social Work/Therapist
Tina M. Triburgo Lcsw
Clinical Social Work/Therapist, LCSW, EMDR
Verified Verified
5 Endorsed
Croton On Hudson, NY 10520
Do you feel stuck in a pattern due to depression, anxiety or a traumatic event? You do not have to do this alone. I will provide a safe and non judgmental environment for you to come to heal. I have 23yrs of experience in this field. I utilize a relational model as well as EMDR. I also can refer to alternative treatments for those who are open. I am also a certified herbalist. Together we will increase your coping skills. I will help you to build a 'tool bag' for life. I have taught at a masters degree level at Fordham University and do corporate wellness programs and provide supervision for therapists.
Do you feel stuck in a pattern due to depression, anxiety or a traumatic event? You do not have to do this alone. I will provide a safe and non judgmental environment for you to come to heal. I have 23yrs of experience in this field. I utilize a relational model as well as EMDR. I also can refer to alternative treatments for those who are open. I am also a certified herbalist. Together we will increase your coping skills. I will help you to build a 'tool bag' for life. I have taught at a masters degree level at Fordham University and do corporate wellness programs and provide supervision for therapists.
(347) 921-9667 View (347) 921-9667
Photo of Behnan Maxwell, LCSW, Clinical Social Work/Therapist
Behnan Maxwell
Clinical Social Work/Therapist, LCSW
Verified Verified
2 Endorsed
Croton On Hudson, NY 10520
Living with Anxiety? Have you been dreading the day as soon as you wake up? You cannot breathe or think clearly. Have difficulties with eating and sleeping? You feel tense, lightheaded, disoriented, and overwhelmed. Your stomach feels tight. You obsess about the past conversations, and constantly worry about the future. Anxiety can strike suddenly. You feel out of control. You are NOT alone! I am here to help. You and I will collaboratively find ways to reduce your anxiety by mostly remembering to breathe! We will explore your specific anxieties and find realistic tools that work for you.
Living with Anxiety? Have you been dreading the day as soon as you wake up? You cannot breathe or think clearly. Have difficulties with eating and sleeping? You feel tense, lightheaded, disoriented, and overwhelmed. Your stomach feels tight. You obsess about the past conversations, and constantly worry about the future. Anxiety can strike suddenly. You feel out of control. You are NOT alone! I am here to help. You and I will collaboratively find ways to reduce your anxiety by mostly remembering to breathe! We will explore your specific anxieties and find realistic tools that work for you.
(646) 845-9377 View (646) 845-9377
Photo of Jennifer Spillane, LCSW, Clinical Social Work/Therapist
Jennifer Spillane
Clinical Social Work/Therapist, LCSW
Verified Verified
1 Endorsed
Croton On Hudson, NY 10520  (Online Only)
My passion is helping people improve their relationships, manage anxiety, and gain a deeper understanding of themselves. Longstanding, unconscious patterns can show up in many areas of our lives. By being curious without judgement, we can work together to identify what these patterns are and how they do or don't serve you. This process can create more space in your life for freedom and choice to live as you desire. I hope to engage you in an exploratory process to get to the root of what has been troubling you. I work with individuals, couples, and dyads such as mothers and daughters.
My passion is helping people improve their relationships, manage anxiety, and gain a deeper understanding of themselves. Longstanding, unconscious patterns can show up in many areas of our lives. By being curious without judgement, we can work together to identify what these patterns are and how they do or don't serve you. This process can create more space in your life for freedom and choice to live as you desire. I hope to engage you in an exploratory process to get to the root of what has been troubling you. I work with individuals, couples, and dyads such as mothers and daughters.
(845) 472-4637 View (845) 472-4637
Photo of Alison Varianides - Westchester Psychotherapy, MSW, LCSW-R, Clinical Social Work/Therapist
Westchester Psychotherapy
Clinical Social Work/Therapist, MSW, LCSW-R
Verified Verified
2 Endorsed
Croton On Hudson, NY 10520  (Online Only)
Have you been feeling stressed out or anxious lately? Perhaps you are feeling depressed or having trouble with relationships. Maybe you just want to feel more fulfilled in life. You might be worried about your adolescent. Maybe you've been told by your child's school that his/her behavior is out of control or that he/she seems depressed. Perhaps they are being bullied, cutting themselves or suffering from low self-esteem. My name is Alison Varianides and I am the Founder of Westchester Psychotherapy- a Private Group Practice specializing in the treatment of children, adolescents and adults.
Have you been feeling stressed out or anxious lately? Perhaps you are feeling depressed or having trouble with relationships. Maybe you just want to feel more fulfilled in life. You might be worried about your adolescent. Maybe you've been told by your child's school that his/her behavior is out of control or that he/she seems depressed. Perhaps they are being bullied, cutting themselves or suffering from low self-esteem. My name is Alison Varianides and I am the Founder of Westchester Psychotherapy- a Private Group Practice specializing in the treatment of children, adolescents and adults.
(914) 806-7376 View (914) 806-7376
Photo of Nichole M Rankin, LCSWR, Clinical Social Work/Therapist
Nichole M Rankin
Clinical Social Work/Therapist, LCSWR
Verified Verified
1 Endorsed
Croton On Hudson, NY 10520  (Online Only)
I am a Licensed Clinical Social Worker with 15 years of experience in psychotherapy. I work with individuals, families and couples ranging in age from early childhood through late adulthood. I have worked in community based, inpatient, private, and special education settings. My professional experiences have focused on issues including depression, anxiety, mood, relationships, attachment issues, interpersonal/ familial conflict, trauma, identity, esteem, grief, stress management, and life changes.
I am a Licensed Clinical Social Worker with 15 years of experience in psychotherapy. I work with individuals, families and couples ranging in age from early childhood through late adulthood. I have worked in community based, inpatient, private, and special education settings. My professional experiences have focused on issues including depression, anxiety, mood, relationships, attachment issues, interpersonal/ familial conflict, trauma, identity, esteem, grief, stress management, and life changes.
(914) 817-0326 View (914) 817-0326
Photo of Kailey Spina Horan, PhD, LMHC, Counselor
Kailey Spina Horan
Counselor, PhD, LMHC
Verified Verified
Croton On Hudson, NY 10520
***NO LONGER ACCEPTING NEW CLIENTS***Most of us feel lost, overwhelmed, defeated, and ashamed when struggling with anxiety or depression. True North provides effective evidence-based treatment that equips you with the tools needed to overcome your pain so that you can finally have the freedom, peace, and relief that you deserve.
***NO LONGER ACCEPTING NEW CLIENTS***Most of us feel lost, overwhelmed, defeated, and ashamed when struggling with anxiety or depression. True North provides effective evidence-based treatment that equips you with the tools needed to overcome your pain so that you can finally have the freedom, peace, and relief that you deserve.
(914) 326-3068 View (914) 326-3068
Photo of Kate Duffy, LCSW, Clinical Social Work/Therapist
Kate Duffy
Clinical Social Work/Therapist, LCSW
Verified Verified
2 Endorsed
Croton On Hudson, NY 10520  (Online Only)
Waitlist for new clients
You feel alone in ways you can't always explain or even identify to yourself. You can’t shake the feeling that you're weird, out of place, or that things are just harder for you than you think they should be. I help neurodiverse and anxious adults deepen their understanding of themselves and alleviate feelings of shame, inadequacy, and isolation. My clients seek to connect to and embrace their unique needs while pushing back against a world that tells them they're deficient for being different. As your therapist, I'll be a supportive guide for you as you explore these needs and build trust in yourself.
You feel alone in ways you can't always explain or even identify to yourself. You can’t shake the feeling that you're weird, out of place, or that things are just harder for you than you think they should be. I help neurodiverse and anxious adults deepen their understanding of themselves and alleviate feelings of shame, inadequacy, and isolation. My clients seek to connect to and embrace their unique needs while pushing back against a world that tells them they're deficient for being different. As your therapist, I'll be a supportive guide for you as you explore these needs and build trust in yourself.
(914) 768-4513 View (914) 768-4513
Photo of Nancy Horbatuk, LMSW, CCTP
Nancy Horbatuk
Licensed Master Social Worker, LMSW, CCTP
Verified Verified
1 Endorsed
Croton On Hudson, NY 10520  (Online Only)
Over 15 years of experience in mental health as a Social Worker, I've had the privilege of journeying alongside adolescents, children, and adults through their mental health challenges in various settings such as hospitals, out-of-home placements, and working in community-based settings. My approach is deeply rooted in compassion and understanding, focusing on nurturing each individual's strengths and honoring their autonomy in crafting their path toward healing. I recognize that every person's journey is unique, and I strive to create a safe and inclusive space where clients feel heard, respected, and valued for who they are.
Over 15 years of experience in mental health as a Social Worker, I've had the privilege of journeying alongside adolescents, children, and adults through their mental health challenges in various settings such as hospitals, out-of-home placements, and working in community-based settings. My approach is deeply rooted in compassion and understanding, focusing on nurturing each individual's strengths and honoring their autonomy in crafting their path toward healing. I recognize that every person's journey is unique, and I strive to create a safe and inclusive space where clients feel heard, respected, and valued for who they are.
(914) 200-3509 View (914) 200-3509
Photo of Hans Marselis, LCSW, Clinical Social Work/Therapist
Hans Marselis
Clinical Social Work/Therapist, LCSW
Verified Verified
9 Endorsed
Croton On Hudson, NY 10520
Come as you are. Psychotherapy is a safe and private place to explore the issues preventing you from living a more productive, meaningful, happier life. I'm aware that it takes an incredible amount of courage to walk into a therapy room and share things that require great vulnerability. My approach is person-centered, empathic and flexible, meeting clients where they are in their lives and helping them to identify and work on areas they would like to change or explore. I utilize supportive, mindfulness based and existential therapies with some use of CBT and thoughtfully inserted levity.
Come as you are. Psychotherapy is a safe and private place to explore the issues preventing you from living a more productive, meaningful, happier life. I'm aware that it takes an incredible amount of courage to walk into a therapy room and share things that require great vulnerability. My approach is person-centered, empathic and flexible, meeting clients where they are in their lives and helping them to identify and work on areas they would like to change or explore. I utilize supportive, mindfulness based and existential therapies with some use of CBT and thoughtfully inserted levity.
(929) 239-4459 View (929) 239-4459
Photo of Jessica Matero, LMHC, NCC, CASAC, Counselor
Jessica Matero
Counselor, LMHC, NCC, CASAC
Verified Verified
Croton On Hudson, NY 10520
I feel it is important to provide a sense of hope and really HEAR what you have to say. I believe in providing care that is individualized to each persons needs. I use an empathic, supportive approach to treatment to help you feel empowered to explore and work on overcoming your challenges in a safe, judgement free space. I utilize an eclectic approach to work collaboratively with you to help achieve a transformative experience based on your unique process of change and growth.
I feel it is important to provide a sense of hope and really HEAR what you have to say. I believe in providing care that is individualized to each persons needs. I use an empathic, supportive approach to treatment to help you feel empowered to explore and work on overcoming your challenges in a safe, judgement free space. I utilize an eclectic approach to work collaboratively with you to help achieve a transformative experience based on your unique process of change and growth.
(914) 618-5569 View (914) 618-5569
Photo of Todd M Rubin, LMSW, LSW
Todd M Rubin
Licensed Master Social Work, LMSW, LSW
Verified Verified
Croton On Hudson, NY 10520
When a person is functioning at their best, they can achieve great things with their partners, family, and personal goals. Working with a therapist like myself can help you become the best version of yourself. When you feel empowered, you are more prepared for life's challenges. Meeting with me, whether online or in-office, is flexible, affordable, and proactive in getting you back on track with life. Your story, journey, and experiences create your unique life perspective. For me, your perspective has value, should be respected, and should be expanded. Call to schedule an appointment and let's begin empowering you and your family.
When a person is functioning at their best, they can achieve great things with their partners, family, and personal goals. Working with a therapist like myself can help you become the best version of yourself. When you feel empowered, you are more prepared for life's challenges. Meeting with me, whether online or in-office, is flexible, affordable, and proactive in getting you back on track with life. Your story, journey, and experiences create your unique life perspective. For me, your perspective has value, should be respected, and should be expanded. Call to schedule an appointment and let's begin empowering you and your family.
(845) 957-7229 View (845) 957-7229
Photo of Sabrina Fenyo, LMHC, MS, CCTP, Counselor
Sabrina Fenyo
Counselor, LMHC, MS, CCTP
Verified Verified
4 Endorsed
Croton On Hudson, NY 10520
Seeking therapy is often the first step we take when we realize that our quality of life has started to slip. If you find that you've put your own needs on the bottom of the to-do list because you've put everyone else around you first, it's time to take the steps to start regaining control of your life and wellbeing. Together, we can help you build an better understanding of the ways your circumstances can impact your thoughts, emotions, behaviors, relationships, and life roles. By exploring our boundaries, learning to care for ourselves, and creating healthier patterns; we can help you shift from surviving to thriving.
Seeking therapy is often the first step we take when we realize that our quality of life has started to slip. If you find that you've put your own needs on the bottom of the to-do list because you've put everyone else around you first, it's time to take the steps to start regaining control of your life and wellbeing. Together, we can help you build an better understanding of the ways your circumstances can impact your thoughts, emotions, behaviors, relationships, and life roles. By exploring our boundaries, learning to care for ourselves, and creating healthier patterns; we can help you shift from surviving to thriving.
(914) 933-7090 View (914) 933-7090
Photo of Christine Schaetzl, LCSW-R, PLLC, Clinical Social Work/Therapist
Christine Schaetzl
Clinical Social Work/Therapist, LCSW-R, PLLC
Verified Verified
6 Endorsed
Croton On Hudson, NY 10520
Not accepting new clients
I have experience working with many people and challenges- but I gravitate to & work best with adults who are experiencing anxiety, depression, low self-esteem, life changes, trauma, grief, bereavement, intimate partner violence, fertility, pregnancy, adoption, first responders, seniors, & those who identify as LGTBQI+.
I am not currently accepting new clients ... Welcome! It can be hard to recognize that you might have parts of your life that you have pushed aside or are uncomfortable with. It takes a lot of courage to acknowledge this & then to take the steps to reach out to someone for assistance. I believe in working as a partner with people to explore areas that cause difficulty, to build upon solutions that have previously worked, & to learn new skills to improve one's ability to cope. I enjoy getting to know the people I work with & finding solutions that are unique to them.
I have experience working with many people and challenges- but I gravitate to & work best with adults who are experiencing anxiety, depression, low self-esteem, life changes, trauma, grief, bereavement, intimate partner violence, fertility, pregnancy, adoption, first responders, seniors, & those who identify as LGTBQI+.
I am not currently accepting new clients ... Welcome! It can be hard to recognize that you might have parts of your life that you have pushed aside or are uncomfortable with. It takes a lot of courage to acknowledge this & then to take the steps to reach out to someone for assistance. I believe in working as a partner with people to explore areas that cause difficulty, to build upon solutions that have previously worked, & to learn new skills to improve one's ability to cope. I enjoy getting to know the people I work with & finding solutions that are unique to them.
(845) 232-0396 View (845) 232-0396

More Therapists Nearby

Photo of James Rodriguez, PhD, LCSW, Psychologist
James Rodriguez
Psychologist, PhD, LCSW
Verified Verified
Buchanan, NY 10511
I have extensive experience with children and adolescents who suffer from trauma, anxiety and depression.
I am fully committed to providing people with individualized care and empowering my clients to overcome the stressors in their lives and make healthy choices that will ultimately bring them a greater sense of well-being. I am, of course, happy to work with clients who are ready to make a change, but am also happy to help clients, of all ages, who are simply not sure about their commitment to change.
I have extensive experience with children and adolescents who suffer from trauma, anxiety and depression.
I am fully committed to providing people with individualized care and empowering my clients to overcome the stressors in their lives and make healthy choices that will ultimately bring them a greater sense of well-being. I am, of course, happy to work with clients who are ready to make a change, but am also happy to help clients, of all ages, who are simply not sure about their commitment to change.
(646) 759-1594 View (646) 759-1594
Photo of Oscar M. Solarte, LMSW
Oscar M. Solarte
LMSW
Verified Verified
1 Endorsed
Montrose, NY 10548
These methods effectively help manage anxiety, reduce stress, and navigate personal and professional challenges, fostering resilience and growth.
Navigating life’s challenges—from personal relationships to professional transitions—can feel overwhelming. As a Psychotherapist and US Army combat veteran, I have firsthand experience with the high-stress demands of both military and civilian life. I specialize in helping clients from all walks of life overcome mental health challenges by utilizing evidence-based techniques such as Cognitive Behavioral Therapy and Motivational Interviewing. Whether you’re adjusting to everyday stresses or recovering from significant life changes, I am committed to supporting your journey toward better mental health and well-being.
These methods effectively help manage anxiety, reduce stress, and navigate personal and professional challenges, fostering resilience and growth.
Navigating life’s challenges—from personal relationships to professional transitions—can feel overwhelming. As a Psychotherapist and US Army combat veteran, I have firsthand experience with the high-stress demands of both military and civilian life. I specialize in helping clients from all walks of life overcome mental health challenges by utilizing evidence-based techniques such as Cognitive Behavioral Therapy and Motivational Interviewing. Whether you’re adjusting to everyday stresses or recovering from significant life changes, I am committed to supporting your journey toward better mental health and well-being.
(631) 349-1533 View (631) 349-1533
Photo of Diana M Gonzales-Ricard, LCSW-R, Clinical Social Work/Therapist
Diana M Gonzales-Ricard
Clinical Social Work/Therapist, LCSW-R
Verified Verified
Montrose, NY 10548
Anxiety comes from living in the future.
Perhaps you realize that you are not where you want to be. Perhaps you feel that you are not living as fully as you might. Perhaps you are not sure what is wrong; you just know that you could be doing better. My role is to help you sort it out and identify the thoughts and behaviors that have you stuck, change you self-limiting beliefs and remove the barriers to living your best life.
Anxiety comes from living in the future.
Perhaps you realize that you are not where you want to be. Perhaps you feel that you are not living as fully as you might. Perhaps you are not sure what is wrong; you just know that you could be doing better. My role is to help you sort it out and identify the thoughts and behaviors that have you stuck, change you self-limiting beliefs and remove the barriers to living your best life.
(914) 326-0720 View (914) 326-0720
Photo of Bryan Epel, LCSW, Clinical Social Work/Therapist
Bryan Epel
Clinical Social Work/Therapist, LCSW
Verified Verified
Verplanck, NY 10596  (Online Only)
Bryan addresses issues such as depression, anxiety, trauma, grief, and defiant behavior.
Bryan is a Licensed Clinical Social Worker with over 20 years of experience working with adults, adolescents, and parents. Over that time not only has he been a psychotherapist working directly with individuals, but also has many years of experience as a Clinic Director/Supervisor in a variety of clinics throughout the New York area. His approach to therapy is collaborative, direct, and psycho dynamic which simply means that together, you will explore your process of continued development of growth and personal resilience, self-discovery, healing, and the achievement of your goals.
Bryan addresses issues such as depression, anxiety, trauma, grief, and defiant behavior.
Bryan is a Licensed Clinical Social Worker with over 20 years of experience working with adults, adolescents, and parents. Over that time not only has he been a psychotherapist working directly with individuals, but also has many years of experience as a Clinic Director/Supervisor in a variety of clinics throughout the New York area. His approach to therapy is collaborative, direct, and psycho dynamic which simply means that together, you will explore your process of continued development of growth and personal resilience, self-discovery, healing, and the achievement of your goals.
(347) 767-4113 View (347) 767-4113

See more therapy options for Croton On Hudson

Anxiety Therapists

What are the most common treatments for anxiety?

Talk therapy, particularly cognitive behavioral therapy, is the most common treatment for anxiety. Studies have shown it is equally effective as medication. Other popular 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 Behavioral 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.