Below you will be able to find the answer to Often-biweekly payment crossword clue which was last seen on Universal Crossword, June 5 2023. If the 1st or 15th falls on Saturday or Sunday, payday is the Friday before. In a biweekly pay schedule, employees receive a paycheck every two weeks, totaling 26 paychecks per. Here's how the two arrangements compare: Biweekly mortgage payments. Affirm. When this mortgage is converted to a biweekly mortgage. The second loan is an 85% loan for 9. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. Weekly. Number of Letters (Optional). options 2% 3. Enter Given Clue. We found 20 possible solutions for this clue. noun Word forms: plural -lies. Often-biweekly payment 3% 4 ONLY: Kind of child 3% 3 IOU: Payment promise 3% 5 REMIT: Send payment By CrosswordSolver IO. Often-biweekly payment 2% 4 ALOE: Hand lotion ingredient, often 2% 3 SON: Heir, often 2% 6 PASSER: Quarterback, often 2% 4 SAWN: Like lumber, often. Often-biweekly payment 2% 3 RTS: Stk. Enter a Crossword Clue. 088. Refine the search results by specifying the number of letters. Best answers for Payment Levy: Levy that angered American colonists. Today's crossword puzzle clue is a quick one: Often-biweekly payment. We found 20 possible solutions for this clue. Often-biweekly payment Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. Calculating Benefit Payment Amounts. For example a GS-15, Step 10 annual rate in Washington, D. We think the likely answer to this clue is SELL. 14. The crossword clue Offer for purchase with 4 letters was last seen on the June 27, 2023. Your extra annual payment can also make a dent in the interest paid over time. Create a list of your income and expenses. 03 in interest and pay your mortgage off almost two years faster (98 weeks). Biweekly payroll is popular due to the ease of paycheck calculation. Often-biweekly payment 3% 3 EBT: Grocery payment method 3% 4 SKIP: Miss out 3% 3 IOU: Payment promise 3% 5. Competitor's Payment Crossword Clue Answers. IMPULSE (noun) the electrical discharge that travels along a nerve fiber. Employers who use a semi-monthly payroll cycle pay their employees two times every month, usually on the 15th and the last day of the month. The crossword clue Used for payment with 6 letters was last seen on the January 01, 2009. . Answers for Biweekly stub, perhaps crossword clue, 7 letters. Biweekly definition: . We found 20 possible solutions for this clue. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. This chart will show you which ones require a weekly, biweekly, semimonthly or monthly payroll. Boardwalk Payment Crossword Clue Answers. Crossword Clue. While you can choose when your workers receive their paychecks, most employers. We think the likely answer to this clue is UNIONDUES. 2. Eleemosynary Payment. The crossword clue Payment method at a fair, often with 4 letters was last seen on the July 26, 2022. Bi-weekly is once every other week with 26 payrolls per year. Here’s how to set up a biweekly budget in just four basic steps: 1. Search for crossword clues found in the Daily Celebrity, NY Times, Daily Mirror, Telegraph and major publications. We found 20 possible solutions for this clue. For the word puzzle clue of a fixed regular payment typically paid on a monthly or biweekly basis but often expressed as an annual sum made by an employer to an employee especially a professional or white , the Sporcle Puzzle Library found the following results. A weekly payroll calendar is where you pay your employees each week. comClue: Pay period, often. Payroll taxes. You can easily improve your search by specifying the number of letters in the answer. Updated 2016-03-26T00:00:00+00:00. The solution we have for Often-biweekly payment has a total of 6 letters. This change will begin in August 2022. There are four common pay period options, including weekly, biweekly, semimonthly. We found 20 possible solutions for this clue. The following chart demonstrates the differences between the two methods for a person. Often-biweekly payment 2% 3 IOU: Payment promise 2% 5 REMIT: Send payment By CrosswordSolver IO. The crossword clue Payment to ride with 4 letters was last seen on the March 20, 2015. S. Monthly housing payment, for some. 088 = $1,916. Then, use the withholding tables to look up your biweekly pay and see the amount the IRS says your employer should withhold and subtract that to get your. We found 20 possible solutions for this clue. with 5 letters was last seen on the November 18, 2022. Number of Letters (Optional). We found 20 possible solutions for this clue. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. § 550. " The "gross" amount refers to the pay an employee has earned before withholdings are made for such things as taxes, donations. S. To calculate the biweekly payment amount, we divide the monthly payment by 2: $$ ext{Biweekly Payment} = frac{ ext{Monthly Payment}}{2} = frac{$877. 94 every two weeks, you would pay $4,678. Crossword Nexus. Monthly Payment That's Often More Than The Prin Crossword Clue Answers. We think the likely answer to this clue is DUES. Pay half your mortgage payment every other week. Because of the scientific 365-day system and biweekly pay cycles, once in a while, there are 27 instead of 26 periods of payment within one year. That equals 13 monthly payments annually, totaling $15,600. 50. Crossword Clue. The percentage of private businesses operating under a biweekly pay period is lowest within the smallest size class (1–9 employees); this percentage increases as the size class grows. We think the likely answer to this clue is CHARGED. The crossword clue Union payment with 4 letters was last seen on the April 24, 2023. Often-biweekly payment. Biweekly may mean occurring twice a week or occurring every two weeks. The crossword clue Often-twisted cookie with 4 letters was last seen on the April 16, 2023. A bi-weekly schedule consists of 26 pay periods in a year. Number of Letters (Optional). Enter Given Clue. 16: Payments in a year: 12: 26: Annual payment: $4,971. Often-biweekly payment 2% 6 REMITS: Sends as payment 2% 3 EBT: Grocery payment method 2% 3 IOU: Payment promise 2% 5 REMIT: Send payment 2% 10 SETTLEMENT: Community. Debit card and more. Target pays every two weeks or biweekly. The crossword clue Poker payment with 4 letters was last seen on the August 17, 2023. In Payment Of Crossword Clue The crossword clue In payment of with 3 letters was last seen on the January 01, 2005. Search for crossword clues found in the Daily Celebrity, NY Times, Daily Mirror, Telegraph and major publications. Often-biweekly payment 2% 6 REMITS: Sends as payment 2%. For example, a 30-year mortgage of $200,000 with an interest rate of 6. Often-biweekly payment 3% 4 KNEW: Was certain of 3% 6 REMITS: Sends as payment 3% 5 OXEYE: Kind of daisy 3% 4 SUMO: Kind of wrestling. The Crossword Solver found 30 answers to "Often biweekly payment", 6 letters crossword clue. 57}{2} = $438. We found 20 possible solutions for this clue. Generally, employees prefer to be paid more often. Here are the possible solutions for "Payment" clue. Often-biweekly payment 2% 6 REMITS: Sends as payment 2% 3 EBT: Grocery payment method 2% 3 IOU: Payment promise 2% 5 REMIT: Send payment 2% 10 SETTLEMENT: Community. While you can choose when your workers receive their paychecks, most. Payment Proof Crossword Clue Answers. Refine the search results by specifying. You can easily improve your search by specifying the number of letters in the answer. We found 20 possible solutions for this clue. $1,525. Save for a rainy day. Submit, As Payment Crossword Clue. Refine the search results by specifying the number of letters. A payroll service is a third-party company or organization that assists with payroll processing. The crossword clue Bracketologists' picks, often with 8 letters was last seen on the May 25, 2023. This can be done using a spreadsheet, a budgeting app or the old-fashioned method. Often-biweekly payment 70% 3 IOU: Payment promise 70% 5 REMIT: Send payment 66% 8 MORTGAGE: Monthly housing payment, for some 66% 5 CARDS: Rotters holding right. Here are the mortgage expense calculations for monthly and biweekly payments. However, that third paycheck will often. We found 20 possible solutions for this clue. We found 20 possible solutions for this clue. Expect 52 pay periods in one year. 67. $484. (often avoided because of confusion with sense 1) twice a week; semiweekly. The crossword clue Often-biweekly payment with 6 letters was last seen on the June 05, 2023. The accelerated bi-weekly payment method, as opposed to traditional monthly or semi-monthly payments, inherently involves making payments every two weeks, totaling 26 payments per year. every two weeks. We found 20 possible solutions for this clue. Below are all possible answers to this clue ordered by its rank. The biweekly pay for GS employees is limited to the equivalent of GS-15 step 10, plus locality pay (maximum rate for GS-15 in your locality) or Executive Schedule (ES) Level V, which for CY 2010 is $155,500, whichever is greater,. Refine the search results by specifying the number of letters. Number of Letters (Optional). A biweekly mortgage payment plan is a repayment strategy where borrowers make half of their regular monthly mortgage payment every two weeks, instead of the full payment once per month. A payroll service is a third-party company or organization that assists with payroll processing. Pay down debt. Customs Payment Crossword Clue Answers. Enter Given Clue. If you pay this same employee biweekly, you will pay them $4,616 per month 10 months out of the year. Crossword Clue. This schedule can sometimes lead to employees getting paid three times in one month. Here is the answer for the: Often-biweekly payment Universal Crossword Clue. We found 20 possible solutions for this clue. Shoppers can use the Affirm app to choose from personalized biweekly or monthly payment options with a start and end date and no late or hidden fees. Crossword Clue. Like an old doughnut Crossword Clue; Country mentioned in “Come Fly With Me” Crossword Clue; Where insults “stick” Crossword Clue; Often-biweekly payment Crossword Clue The crossword clue Word often in parentheses with 3 letters was last seen on the January 01, 1984. Often-biweekly payment SOLUTION : SALARY Often-biweekly payment. We have 15 possible answers in our database. The crossword clue Turnstile payment with 5 letters was last seen on the January 01, 2012. We found 20 possible solutions for this clue. A biweekly pay schedule means team members get paid on the same day every other week, also often on Friday. Biweekly Payment Schedule. Or, pay down your smallest debt to create some awesome momentum. Returning Globetrotter's Payment Crossword Clue Answers. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. The only exception is leap years whose January 1 falls on Thursday (like 2032) or Friday (like 2044). Often-biweekly payment 2% 6 REMITS: Sends as payment 2% 3 EBT. 1-2 week’s pay: Mail Carrier: Non-cash gifts under $20: Massage Therapist: Up to the cost of 1 session for someone you see regularly: Mother’s Helper: Average day’s pay for regular helper and a small gift from your kids: Nail Tech / Manicurist: Up to the cost of 1 session: Nanny: 1-2 week’s pay (possibly more if the nanny has been with. The answer is biweekly. You can easily improve your search by specifying the number of letters in the answer. Refine the. Enter Given Clue. Bi-weekly pay offers smaller cheques, varying payment amounts, and pay dates that consistently cycle through two-week periods. Since there are 12 months in the year, there are always two months each year where three paychecks are distributed while the other 10 months each have two paychecks distributed. 19 extra every two weeks you will save $71,549. Total Earnings = Deductions + Net Pay. Click the answer to find similar crossword clues . 5% will require a monthly payment of $1,264. Often-biweekly payment 2% 6 REMITS: Sends as payment 2% 3. Sort by Length. Those years can have 27 biweekly pay periods, depending on the first payment date of the year. Here are. We think the likely answer to this clue is REMIT. The crossword clue Festive night, often with 3 letters was last seen on the November 27, 2022. Nearly every state has laws in place that govern pay frequency. adjective, adverb. This means more money on hand to pay bills and whatnot. So, let’s assume the total working hours in a company for a year is 2,040. You can easily improve your search by specifying the number of letters in the answer. 07, minus any deductions like health insurance, 401(k) contributions and taxes. Courtroom excuse Crossword Clue; Creates a coalition Crossword Clue; Often-biweekly payment Crossword Clue; Sign on many diners Crossword Clue; Eurasian freshwater fish Crossword Clue This clue last appeared in the Universal Crossword on June 5, 2023. 30. Often-biweekly payment 2% 6 BEGFOR: More than request 2% 5 URGED: More than requested 2% 4 UPTO: No more than. The difference between. Shoppers can use the Affirm app to choose from personalized biweekly or monthly payment options with a start and end date and no late or hidden fees. Refine the search results by specifying the number of letters. We think the likely answer to this clue is ITS. This means employees will be paid twice a month, or 24 times per year rather than 26 times per year. Weekly payroll means a pay date happens once a week, for a total of 52 pay dates in the year. It was last seen in Chicago Sun-Times quick crossword. 81 of interest over 1 year and 1 month. Refine the search results by. Often-biweekly payment 3% 3 IOU: Payment promise 3% 5 REMIT: Send payment 3% 6 EXACTS: Demands, as payment 2% 5 NEEDS. We think the likely answer to this clue is LEAPER. For example, they pay you every Friday. Pay Period. We found 20 possible solutions for this clue. Your Weekly Benefit Amount (WBA) depends on your annual income. For just $118. Therefore, the tax. Often-biweekly payment 2% 3 AAS: Remote batteries, often 2% 5 TEENS: New drivers, often 2% 8 ONESEEDS: Bracketologists' picks, often 2% 3 TAS: Future profs, often. 14. Alternatively, start with the annual salary and divide by 24. Biweekly Premium Pay Cap. Believe In Arrangement Not Requiring Immediate Payment Crossword Clue Answers. Often-biweekly payment 3% 3 IOU: Payment promise 3% 5 REMIT: Send payment 3% 4 RENT: Monopoly payment 2% 7 ANNUITY: Night in Paris covered by some payment. Turnpike Payment Site Crossword Clue Answers. The crossword clue Certain kind of payment. You can easily improve your search by specifying the number of letters in the answer. Demands Payment Crossword Clue Answers. Often-biweekly payment 3% 7 ELEMENT: Periodic-table entry 3% 3. Answers for employee's joyous biweekly event/988320 crossword clue, 6 letters. Pay period, often -- Find potential answers to this crossword clue at crosswordnexus. 50 — every two weeks. Often-biweekly payment 2% 5 CIGAR: J. Conversely, semi-monthly pay occurs twice per month. Biweekly may be used as an adjective or an adverb. Often-biweekly payment 2% 3 SON: Heir, often 2% 6 PASSER: Quarterback, often By CrosswordSolver IO. The Crossword Solver finds answers to classic crosswords and cryptic. Bi-weekly means every two weeks. We found 20 possible solutions for this clue. We found 20 possible solutions for this clue. We will try to find the right answer to this particular crossword clue. :. The Crossword Solver finds answers to classic crosswords and cryptic crossword puzzles. They simplify many things associated with timely and accurate payment, such as: Employee time and attendance. Search for crossword clues found in the Daily Celebrity, NY Times, Daily Mirror, Telegraph and major publications. This structure means that employees. Recent seen on June 5, 2023 we are everyday update LA Times Crosswords, New York Times Crosswords and many more. When you select an accelerated weekly or bi-weekly payment option, you are essentially making the equivalent of one additional monthly payment each year which will help pay off your mortgage faster. 1. The crossword clue Grandparents, often with 6 letters was last seen on the March 26, 2016. Wage d. Each biweekly pay period lasts 14 days, and all eligible associates will receive payment usually on Thursday following the end of the biweekly period. 3. The Crossword Solver finds answers to classic crosswords and cryptic crossword puzzles. The crossword clue FDR's price control agency with 3 letters was last seen on the April 08, 2022. Example: $500 per month equals $6,000 per year, divided by 26 equals $230. Today's Universal Crossword Answers. Find the answer at Crossword Tracker. You can choose between weekly pay periods, biweekly pay periods, monthly pay periods, or semimonthly pay periods. This can be done using a spreadsheet, a budgeting app or the old-fashioned method. Workers' compensation. With some experience, the pay can reach $11- $20 per hour. The BLS survey revealed that a biweekly pay schedule was the most common payment frequency in the private sector, finding that 43 percent of businesses in the U. Many of them love to solve puzzles to improve their thinking capacity, so Universal. Enter Given Clue. Make A Stud Payment Crossword Clue Answers. The amount of time you choose for a. We think the likely answer to this clue is RENT. We found 20 possible solutions for this clue. Your. They simplify many things associated with timely and accurate payment, such as: Employee time and attendance. 103, and includes the dollar value of comp time. Biweekly payments; Payment amount: $414. Number of Letters (Optional). Biweekly pay periods are typically 80 hours. Workers' compensation. Instead of a monthly amount, pay half every other week with biweekly payments. We found 20 possible solutions for this clue. This means they’ll get paid 52 times per year. Often-biweekly payment 2% 6 REMITS: Sends as payment 2% 3 EBT: Grocery payment method 2% 3 IOU: Payment promise 2% 5 REMIT: Send payment 2% 4 ALMS: Eleemosynary aid 2%. | Meaning, pronunciation, translations and examplesis the amount held by any authority as a form of payment for some necessary dues like taxes loans etc. Often-biweekly payment 3%. For example, if your annual salary were $52,000 and you are paid weekly, your annual amount is $52,000, and your per period amount is $1,000. The Crossword Solver finds answers to classic crosswords and cryptic crossword puzzles. Refine the search results by specifying the number of letters. $484. We found 20 possible solutions for this clue. with 7 letters was last seen on the January 01, 1962. We found 20 possible solutions for this clue. Number of Letters (Optional). February. The Crossword Solver found 30 answers to "bank, often", 8 letters crossword clue. Often-biweekly payment 3% 6 REMITS: Sends as payment 3% 3 EBT: Grocery payment method 3% 3 IOU: Payment promise. Start with the highest interest rate debt first. Search for crossword clues found in the Daily Celebrity, NY Times, Daily Mirror, Telegraph and major publications. You can also find answers to past Universal Crosswords. We found 20 possible solutions for this clue. Today's crossword puzzle clue is a quick one: Often-biweekly payment. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. 98. Biweekly Pay:. 3. Salary. If you used to pay $1,200 dollars a month, you'll pay $600 every two weeks instead. 5%. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. To make this a biweekly payment, you’d simply cut the $2,095 monthly payment in half and pay that — $1,047. With that in mind, biweekly paychecks will provide less money per. Though these amounts differ, you end up receiving the same amount of money by the end of the year. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. It can be on every fifteen days, that is, on the 15th and the last day of the month. Often-biweekly payment 2% 5 TEENS: New drivers, often 2% 8 ONESEEDS: Bracketologists' picks, often 2% 3 TAS: Future profs, often 2% 3 SON: Heir, often. Receive pay on a more consistent schedule: Employees know their payment will arrive every Friday like clockwork. We found 20 possible solutions for this clue. We think the likely answer to this clue is FARE. We found 20 possible solutions for this clue. Pay cycles per year: Because there are 52 weeks in a year, there are 26 pay periods and pay dates a year in a bi-weekly pay schedule. Respectful Always In Housing Payment Crossword Clue Answers. Often-biweekly payment 2% 3 AAS: Remote batteries, often 2% 8 ONESEEDS: Bracketologists' picks, often 2% 3 TAS: Future profs, often 2% 6 HECTIC: Last-minute, often. Under this cap an employee can be paid premium pay only to the extent that, when combined, the premium pay and basic pay does not exceed the greater of: the maximum rate payable for GS-15 during any biweekly pay period; OR, the rate payable for Level V of the Executive Schedule during any biweekly. Billfold Bills, Often Crossword Clue The crossword clue Billfold bills, often with 4 letters was last seen on the November 21, 2016. We found 20 possible solutions for this clue. Often-biweekly payment 2% 7 LITERAL: Word-for-word 2% 14 ROGUES GALLERY: Regularly goes improperly into this police collection?. When divided by 26, this results in semimonthly payments of $2,166. Biweekly pay dates occur every other week, and semi-monthly pay is paid out on two specific dates a month (e. Crossword Clue. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. You can easily improve your search by specifying the number of letters in the answer. Enter a Crossword Clue. Often-biweekly payment 2% 5 ABACK: Taken ___ 2% 6 REMITS: Sends as payment 2% 3 EBT: Grocery payment method 2% 8 POWERSUP. BIWEEKLY definition: A biweekly event or publication happens or appears once every two weeks. Often-biweekly payment 2% 7 PAYSLIP: Biweekly stub, perhaps 1% 6 PAYDAY: Biweekly occurrence, for many 1% 7 PAYDAYS: Biweekly occurrences, for many. Here are some common mistakes to avoid:. Quarterbacks, Often. Below are all possible answers to this clue ordered by its rank. 365 Day Year 14/365 = . We think the likely answer to this clue is PREMIUM. When you change to biweekly payments, you'll make payments every two weeks. The Crossword Solver finds answers to classic crosswords and cryptic crossword puzzles. This figure represents the number of hours you’ll be paid per pay period. There are 26 biweekly pay periods in a year, as a year has 52 weeks, and biweekly payments occur every two weeks (52/2 = 26). That means twice a month or 26 times biweekly a year. Often-biweekly payment 3% 10 CREDITCARD *Payment method that may have a chip 3% 9 EASYTERMS: Festival buys Glastonbury ultimately with master's payment plan. Remember that solving crossword puzzles takes practice, so don't get discouraged if you don't finish a puzzle right away. Thus, even though the comp time is not directly paid to you in dollars, the regulation prohibits you from receiving it because the dollar value of the comp time when added to your basic pay would take you over the biweekly premium pay cap. Crossword Clue. By CrosswordSolver IO. Biweekly payment plans can help borrowers pay off their. Watch Savings Add Up With Biweekly Payments. Unfortunately, the world is not as precise as payroll. 0893 bi-weekly pay periods, not 26, so an additional pay period. The crossword clue Monthly payment for many with 4 letters was last seen on the May 14, 2023. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. Often-biweekly payment 2% 6 RESEND: Mail again 2% 3 IOU: Payment promise. 2. Alternatively, start with the annual salary and divide by 24. We found 20 possible solutions for this clue. See examples of BIWEEKLY used in a sentence. Total Payments. What is the promotion process like at JCPenney? 298 people answered. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. We found 20 possible solutions for this clue. This is all due to the number of weeks in the month and nothing else. Often-biweekly payment 2% 3 SON: Heir, often 2% 6 PASSER: Quarterback, often 2% 6 ELDERS: Grandparents. The crossword clue 46-Down, often with 4 letters was last seen on the February 05, 2020. Semi-monthly payments – 24 pay periods per year. The crossword clue Consulting payment with 3 letters was last seen on the November 21, 2021. Sin/___ = tan Crossword Clue; Needing a hint Crossword Clue; Hazy memory Crossword Clue; Early round, briefly Crossword Clue; Often-biweekly payment Crossword Clue;. Often-biweekly payment 2% 10 CREDITCARD *Payment method that may have a chip 2% 6 REMITS: Sends as payment 2% 3. Often-biweekly payment 2% 3. The gross pay method refers to whether the gross pay is an annual amount or a per period amount. The meaning of BIMONTHLY is occurring every two months. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. With thousands of employees, it is easier to pay on a. Employees receive 52 paychecks each year. Today's crossword puzzle clue is a quick one: Payment. The crossword clue Send in, as payment with 5 letters was last seen on the November 21, 2021. Union Payment. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. Clear. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. Billing cycle, often; Common pay period; One of a dozen; MAY; Recent usage in crossword puzzles: Universal Crossword - March 27, 2022; Newsday - Sept. Crossword Clue. You can easily improve your search by specifying the number of letters in the answer. The crossword clue Payment demanded for stored electricity? with 6 letters was last seen on the April 25, 2022. Federal Taxes (enter your W4 info) Use 2020 W4. Conversely, semi-monthly pay occurs twice per month. It can be on every fifteen days, that is, on the 15th and the last day of the month. Leap years add an extra day of pay to the year. Find the latest crossword clues from New York Times Crosswords, LA Times Crosswords and many more. QuickBooks Payroll includes good benefit management capability, making it easy to track all employee benefits including monthly deductions. With biweekly payments, you’ll have total interest savings of $18,703. Read more: Bimonthly vs.