Buy-here, pay-here operators who need recommendations on improving deal jacket compliance, securing more money from customers’ tax refunds and details of a significant accounting change — and who want all of this information for a discounted price — need to take action before the end of the week.
The National Alliance of Buy-Here, Pay-Here Dealers said early bird discounts on registration and hotel accommodations for its fall conference where experts plan to share best practices about those topics and more will expire on Friday.
Operators can save hundreds of dollars depending on how many attendees from their store come to the BHPH Conference to be held Nov. 1-3 at the Rosen Shingle Creek Resort in Orlando, Fla. Special room rates of $199 per night expire at the close of the week, too.
The program includes several of the nation’s leading attorneys, experts and successful operators who will share their tips and techniques to help attendees succeed in a highly competitive subprime market. The conference opens with a first-time attendee reception at 2 p.m. ET on Nov. 1.
The dual-track workshop, scheduled on the opening afternoon and then the following morning, will feature sessions that showcase new technology, including the latest dealer management software releases, the latest payment device technology and other products and services that increase profits through operating efficiency.
The compliance tracks will include vendor management responsibilities, add-on product compliance and becoming deal documentation compliant.
An accounting and tax "new developments" workshop will discuss new accounting credit loss measurement requirements, which will significantly impact all BHPH operators who carry finance receivables.
Other sessions include lease-here, pay-here as an alternative business model, Internet and social media tips to gain market share, capital solutions and ways to maximize recoveries.
“These workshops will not be infomercials, and will contain important information for operators to compete successfully today,” NABD president and founder Ken Shilson said.
During the second half of the conference, the dual tracks combine into general education sessions featuring a keynote presentation by Harris Rosen, who built a hotel empire with minimal start-up capital. Other general sessions will cover:
—Current developments update discussion
—Benchmarks and trends update
—Improving customer communications and relationships
—Operating best practices for challenging times
—Compliance issues
—Ways to protect your operation
—Avoiding collection mistakes
The exhibit hall will include all the newest products and services that increase profits and cash flow. The receptions, as well as breakfast and a luncheon with the exhibitors, are designed to allow attendees to network with other operators, experts and exhibitors.
The Rosen Shingle Creek Resort is located near Universal Drive and many of the newest attractions. Shuttle service is available to Disney properties and to Universal Studios.
To register, call NABD at (832) 767-4759 or go online to www.bhphinfo.com.
After more than a year of dedicated development and collaboration with dealers, DealerSocket will officially release iDMS at the company’s User Summit next week in San Antonio. DealerSocket highlighted that iDMS marks the first of several upcoming product launches for the company’s full-scale, integrated technology platform tailored to independent and buy-here, pay-here dealers.
“Our independent platform’s seamless integrations will provide tremendous flexibility for each product suite, including iDMS,” said Jennifer Lee, DealerSocket’s vice president of product strategy. “Once all our independent products have launched on the platform, users will be able to access tools based on their job role, rather than by product line.”
The company explained iDMS is a highly integrated solution including flexible accounting, powerful desking, an integrated lender portal, integrated service shop management, unsurpassed workflow and queuing processes, and robust reporting analytics.
Director of product and engineering Jeff McCurry added, “One of the most useful benefits of iDMS is its scalability for all sizes of success. This platform can help small- to mid-size dealerships get to the next level, as well as allow larger stores to reach maximum efficiency in their operations. iDMS will scale as your dealership grows, so you will not be faced with future software decisions.”
The new solution merges the best features of FEXDMS and AutoStar Solutions — along with adding some original features along the way. DealerSocket highlighted iDMS users can take advantage of 10 features, including:
• Seamless integration with DealerSocket’s other products, including CRM, digital marketing and inventory management platforms
• A streamlined experience, including a single login and highly intuitive user interface
• 100 percent web-based, cross-browser, cross-platform functionality, with a special focus on mobile devices so dealers can access iDMS in the F&I office, on the dealership lot, or while running errands
• Buy-here, pay-here decisioning and integrated lender portal, so dealers can finance a deal without leaving the platform
• Real-time accounting integration with QuickBooks, as well as flexible general ledger (GL) account creation and mapping, which give dealers granular control of GL transaction accounting
• Comprehensive desking solution for both BHPH and independent retail dealers
• Robust collections, such as stacked promise-to-pay and dynamic queuing functionality
• Multitasking capabilities through an extra communication module at the bottom of each screen
• Seamless integration with DealerSocket CRM and other DealerSocket products
• Detailed reporting leveraging the best from AutoStar and FEXDMS, including the ability to reorganize past reports using new criteria
Demos of iDMS will be conducted at DealerSocket User Summit, which runs Monday through Wednesday at the JW Marriott San Antonio Hill Country Resort and Spa. To register, visit usersummit.dealersocket.com/ind.
GPS tracking solutions provider PassTime finalized a strategic partnership on Tuesday with Customized Dealer Financial Solutions (CDFS), which can provide underwriting predictive modeling and analytics to buy-here, pay-here dealerships to help reduce their repossessions and improve their profitability and cash flow.
The companies highlighted the partnership will focus on cross marketing and promotion to benefit both firms’ current and potential customers.
PassTime has been in business for nearly 25 years and offers wireless GPS telematics products that are available for multiple sectors of the automotive industry including dealers, auto finance companies, auto leasing companies, insurance companies and fleet transportation providers.
CDFS offers customers underwriting predictive modeling (UPM) through artificial intelligence, rather than the industry’s traditional scoring. The UPMs utilize the dealership’s own data, as opposed to generic industry data, to reduce repossessions — especially the quick ones — without reducing sales volume.
CDFS’ analytics can help dealerships manage each facet of the business, with an emphasis on significantly improving profit and cash flow.
“We are excited about the CDFS relationship,” PassTime chief operating officer Chris Macheca said. “It is an impressive program that our customers can really benefit from.”
“PassTime makes it a point to partner with industry leaders and companies that offer innovative and valuable solutions — I think CDFS fits in perfectly,” Macheca continued.
CDFS president Ted Lange added, “CDFS looks forward to providing tangible benefits to PassTime’s customers in the form of improved loan performance, increased profitability and stronger cash flow. CDFS formulates UPMs based on a dealership’s own data and quantifies these benefits at CDFS’ cost before the dealership decides whether it wishes to enroll in a month-to-month relationship.
“Dealerships benefit additionally from a legal opinion by the leading consumer credit compliance authority, Hudson Cook, that the UPMs are compliant with the CFPB’s interpretation of applicable laws and regulations,” Lange went on to say.
For more information about CDFS or PassTime, call (800) 828-1564 or email info@passtimegps.com.
Independent dealers and buy-here, pay-here operators who use Frazer Software to handle their DMS needs now have more options to serve their customers thanks to a strategic partnership the company finalized with F&I Express.
Officials highlighted the integration of F&I Express with Frazer Software is designed to provide dealerships with the ability to digitally rate and construct eContracts. Dealers can capture electronic signatures and submit contracts for more than 130 F&I aftermarket product providers.
The incorporation of F&I Express eContracting within Frazer Software also can provide an even more streamlined process for dealers.
Independent dealers using Frazer Software are able to digitally send the customer’s deal information directly over to F&I Express to complete the contract. They are ensured of 100-percent accuracy and error-free contracts, sending the contract quickly and digitally to the customer for signatures.
Once signed, the digital contract can be easily tracked and submitted.
“Our primary mission at F&I Express is to provide automotive dealerships with digital solutions to make the F&I process easier, faster and 100 percent error-free,” F&I Express president and chief executive officer Brian Reed said.
“The integration with Frazer allows us to serve a wider range of dealers and provides them with new functionality that streamlines the total process,” Reed continued. “Dealers who use eContracting with Frazer DMS integration will find the process to be error-free and even more efficient.”
By entering just the VIN and mileage, the F&I Express platform automatically displays the plans available and calculates the contract price.
Frazer Software president Michael Frazer explained the chance of human error is diminished, and the need for dealers to look through pricing information is removed. He added customer satisfaction increases with a faster, error-free process, which saves time at the dealership.
“We are very excited for our dealer customers,” Frazer said. “The Frazer DMS will now be instantly integrated with an additional 130 companies.”
If any buy-here, pay-here operators were fans of the HBO comedy program “Last Week Tonight with John Oliver,” they might not be any longer after the host’s unflattering portrayal of subprime auto financing, and in particular BHPH dealerships.
The nearly 18-minute segment recounted the story of a vehicle repossessed and resold multiple times, revisited the series published by The Los Angeles Times that triggered significant legislation in California, and included snippets of comments that Ken Shilson, the president and founder of the National Alliance of Buy-Here, Pay-Here Dealers, made during the annual conference hosted by DBA International earlier this summer.
Before operators get too discouraged about being negatively portrayed, BHPH Report found a consumer who has greatly benefitted from the “transportation solution,” as Shilson likes to put it, that dealerships with related finance companies can provide individuals with badly bruised credit histories.
And the anecdote came from a story posted earlier this year by sister publication SubPrime Auto Finance News.
The individual, who was listed as Joy in the comments section and verified by BHPH Report, indicated that delivery came through a DriveTime dealership. One of DriveTime’s former top executives, Mark Sauder, was recently inducted into the NABD Hall of Fame.
Joy recollected, “DriveTime is great if you are responsible. I went to DriveTime because my heart broke every time my son cried because it was too cold to sit at the bus stop.
“My credit was so bad, I was surprised they gave me a car. When I was young I maxed out a bunch on credit cards and was evicted twice. I wouldn't give that person a car. I only had a job for a couple of months, but my baby was crying. So I went to them, and they saved me,” Joy continued.
Joy did some due diligence when selecting a vehicle, too.
“I took my car to two mechanics to be on the safe side. My car was great. It only needed one fix and they paid for it,” Joy wrote in the comments section of this report.
Another portion of the HBO show segment explained how a vehicle with a wholesale value of about $3,500 would cost someone buying from a BHPH operator many times that figure because of interest and the length of the contract.
Joy said, “Having a car has allowed me to go to school, so now I can afford the payments a little better. But I'm not really angry because even though I will pay double for the car, without them I would not have a car at all.”
Joy also touched on one of the most difficult parts of the BHPH business that the HBO segment didn’t paint favorably, either.
When referencing collections, Joy added, “If anyone owed me money, I’d call them all day also. That’s just a given. I don’t understand why people complain so much.”
If you haven’t seen the HBO show material, it’s available here and in the window at the top of this page.
For BHPH dealers who need more encouragement from fellow operators and industry experts, NABD’s next event could be the remedy.
NABD recently released details of its upcoming BHPH Conference set for the first days of November.
The conference, whose theme is “Best Practices to Succeed Now,” is designed for both new and experienced operators. The event marks the 13th annual fall conference hosted by NABD, which is the largest used-vehicle special interest group for BHPH operators with more than 13,000 members.
The conference — to be held Nov. 1-3 at the Rosen Shingle Creek Resort in Orlando, Fla. — features dual-track workshop sessions that will focus on best operating practices, compliance, technology and new developments that operators must learn in order to succeed in today’s highly competitive subprime auto finance market.
Attendees are encouraged to bring their families and enjoy one of the nation’s most popular destinations. NABD has arranged discounted room rates with no resort fees in an effort to make it affordable for everyone. Early registration and member discounts are available, while supplies last, by calling NABD at (832) 767-4759 or going online to www.bhphinfo.com.
A conference agenda and speaker information have been posted and will be updated on the NABD website at www.bhphinfo.com. Attendees and exhibitors are encouraged to register soon while space is still available.
Recent developments in the subprime auto finance market indicate that better days are ahead for the buy-here, pay-here industry. The last 24 months have seen fierce competition for deep subprime customers from credit unions, finance companies and franchised dealers. Much of this competition has been fueled by billions of dollars from auto bond securitizations packaged by Wall Street and sold to investors who were seeking high investment yields.
Some recent indicators suggest that better subprime market conditions are ahead for independent BHPH operators as follows:
1. Some of the deep subprime auto bond securitizations are not performing as projected and further deterioration is expected during the summer months.
2. Inventory availability continues to improve from auto bond repos, off-lease and rental vehicles, and from franchise trade-ins.
3. The deep subprime customers of today who are “car dependent” are finding new and certified pre-owned vehicles unaffordable for their limited financial capacity.
The aforementioned changes do not guarantee that every BHPH operator will automatically regain lost market share. Instead, they need to realize that the old ways of operating may not lead them to BHPH success in the subprime finance market of today.
We must learn from the deep subprime auto bond losses by recognizing the following:
1. Selling late model vehicles to weaker credit borrowers does not end well.
2. Lower down payments and repayments create longer terms, which increases default risk.
3. The higher-cost vehicles collateralizing auto bonds increases loss severity in early defaults.
A proper business model is needed to succeed in the competitive subprime auto finance market of today. Competition for the best customers will always exist so operators must adapt in order to compete successfully by:
1. Evaluating your business model from a cash return perspective. Does it generate a cash return commensurate with your investment in the portfolio?
2. Selling vehicles is important but “keeping them sold” is what generates long term success.
3. Relationships not transactions are needed to keep customers paying over the life of the contracts. These weaker credit customers need a transportation solution, which keeps the vehicle running throughout the contract term.
4. Collecting deep subprime installment contracts requires training, experience, and knowledge of the regulations in order to avoid significant operating and regulatory mistakes, which can cost millions of dollars.
5. There are three important elements in every BHPH deal: the customer, the vehicle and the deal structure. Good underwriting is needed at origination to properly match the customer with a vehicle they can afford.
In response to the changing market opportunities, I have surveyed and will discuss the business models that are working the best in the current environment and the operating practices that generate them at our next NABD conference in Orlando, Fla., on Nov. 1-3. Many of the nation’s best operators and experts will share their tips and techniques to help other operators succeed. The conference theme is “Best Practices to Succeed Now.”
Will your own operation capitalize on these new opportunities? Is your business model designed for future success? Are you making compliance mistakes that will cause failure? Now is the time to take a look “under your hood” to get these answers. Good Luck!
Ken Shilson is president and founder of the National Alliance of Buy-Here, Pay-Here Dealers (NABD), which is the nation’s largest special interest group for this industry. Information is available at www.bhphinfo.com. Ken is also president of Subprime Analytics, which provides portfolio performance improvement analysis for operators and capital providers. For more information on the analytical services visit www.subanalytics.com.
Geared toward operators who are looking to close 2016 strong, the National Alliance of Buy-Here, Pay-Here Dealers released details of its upcoming BHPH Conference set for the first days of November.
The conference, whose theme is “Best Practices to Succeed Now,” is designed for both new and experienced operators. The event marks the 13th annual fall conference hosted by NABD, which is the largest used-vehicle special interest group for BHPH operators with more than 13,000 members.
The conference — to be held Nov. 1-3 at the Rosen Shingle Creek Resort in Orlando, Fla. — features dual-track workshop sessions that will focus on best operating practices, compliance, technology and new developments that operators must learn in order to succeed in today's highly competitive subprime auto finance market.
The program includes several of the nation’s leading attorneys, experts and successful operators who will share their tips and techniques to help attendees succeed in a highly competitive subprime market. The conference opens with a first-time attendee reception at 2 p.m. ET on Nov. 1.
The dual-track workshop, scheduled on the opening afternoon and then the following morning, will feature sessions that showcase new technology, including the latest dealer management software releases, the latest payment device technology and other products and services that increase profits through operating efficiency.
The compliance tracks will include vendor management responsibilities, add-on product compliance and becoming deal documentation compliant.
An accounting and tax "new developments" workshop will discuss new accounting credit loss measurement requirements, which will significantly impact all BHPH operators who carry finance receivables.
Other sessions include lease-here, pay-here as an alternative business model, Internet and social media tips to gain market share, capital solutions and ways to maximize recoveries.
“These workshops will not be infomercials, and will contain important information for operators to compete successfully today,” NABD president and founder Ken Shilson said.
During the second half of the conference, the dual tracks combine into general education sessions featuring a keynote presentation by Harris Rosen, who built a hotel empire with minimal start-up capital. Other general sessions will cover:
—Current developments update discussion
—Benchmarks and trends update
—Improving customer communications and relationships
—Operating best practices for challenging times
—Compliance issues
—Ways to protect your operation
—Avoiding collection mistakes
The exhibit hall will include all the newest products and services that increase profits and cash flow. The receptions, as well as breakfast and a luncheon with the exhibitors, are designed to allow attendees to network with other operators, experts and exhibitors.
Companies interested in exhibiting may call (832) 767-4759 while space is still available.
The Rosen Shingle Creek Resort is one of Orlando’s finest and is located near Universal Drive and many of the newest attractions. Shuttle service is available to Disney properties and to Universal Studios.
“The Rosen Shingle Creek and Orlando is a very attractive and affordable venue,” Shilson said.
Attendees are encouraged to bring their families and enjoy one of the nation’s most popular destinations. NABD has arranged discounted room rates with no resort fees in an effort to make it affordable for everyone. Early registration and member discounts are available, while supplies last, by calling NABD at (832) 767-4759 or going online to www.bhphinfo.com.
A conference agenda and speaker information is posted and will be updated on the NABD website at www.bhphinfo.com. Attendees and exhibitors are encouraged to register soon while space is still available.
“Successful BHPH operators today must understand and adapt to the competitive subprime market environment. The old ways aren’t working anymore,” Shilson said.
“This conference will definitely help operators compete more successfully while avoiding legal and regulatory pitfalls that can cost them millions,” he added.
For dealers who couldn’t make it to Las Vegas for the national events orchestrated by the National Alliance of Buy-Here, Pay-Here Dealers or the National Independent Automobile Dealers Association earlier this year, DealerSocket is going on a road trip to seven states to participate in more dealer events to showcase its soon-to-be released solutions.
DealerSocket is making this journey because the company is in the midst of its largest technology investment ever in the independent market along with sponsorships of several major state dealer associations and a lengthy lineup of convention appearances.
“DealerSocket’s dedication to independent dealers is unprecedented among tech companies in this space,” said Marylou Hastert, director of product marketing at DealerSocket. “We continue to increase our investment in independent product lines, including the release of an advanced new platform, called BlackBird, which will include a dealer management system (named iDMS) built specifically for independent dealers and a game-changing CRM.”
The company’s July appearances include the Georgia and Texas state IADA conferences.
• Georgia IADA Convention & Expo today through Saturday — Todd White, sales director, independent, at DealerSocket will present “Evolve at the Speed of Millennials,” pulling back the curtain on this fast-growing customer base as well as sharing new strategies and technologies to appeal to millennial buyers. Learn more at https://giadaconvention.org/speakers/todd-white.
• Texas IADA Conference & Expo on Sunday through Tuesday — For the first time ever, TIADA will open up the exhibit hall during select, non-exhibit hours for pre-scheduled demos. DealerSocket, a TIADA Business Partner, is now filling time slots on Monday between 2:30 and 5 p.m. for demos of products within its integrated technology platform tailored to independent dealers. Register for a demo at http://info.dealersocket.com/TIADA2016.html.
In addition to Georgia and Texas, DealerSocket will appear at IADA conventions for the Carolinas, Florida, Pennsylvania, Maryland and Delaware, along with NABD’s East Coast conference. The company will conduct live demos throughout each show highlighting its new integrated technology platform tailored to independent dealers, including DMS, CRM, inventory management software, data-mining tools, website offerings and digital marketing services.
Automotive Compliance Consultants president Terry Dortch recapped what he described as “sad and unfortunate” news about employee crimes against dealers. Before going into a few tips for protecting the dealership against such activities, Dortch highlighted a few recent headlines about such occurrences, including:
• Florida couple accused of stealing $2 million from S.C. car dealership, warrants say.
• Kentucky dealership employee arrested and charged with three counts of theft by deception.
• Pennsylvania dealership controller headed to jail after embezzling $10 million.
Dortch acknowledged the criminal activity itself is detrimental, but the breach of trust can be worse. Whether informal or formal, Automotive Compliance Consultants insisted employees make a covenant with their employer when they agree to give their services for compensation.
Said a dealer whose longtime employee was charged with falsifying vendor payables to steal from the dealership, “The crime feels like the betrayal of a family member.”
A survey a few years ago by an accounting firm noted that a third of dealership respondents had “experienced actual or attempted fraud.” Of those, 62 percent of the fraud perpetrators were employees.
“These events can seem to happen out of the blue, but often in retrospect behaviors, practices and outside activities were warnings about such individuals,” Dortch said. “These individuals are often more concerned with what they get from their position than what they can contribute.”
Automotive Compliance Consultants explained that operators can consider these defenses for asset theft:
• Security cameras to watch over parts and materials inventory shelves, supply rooms, parking lots and other outside areas to observe suspicious activities.
• Limit access to areas like the parts department, main office, F&I office, cashier office, materials closets and parts storage.
• Note employees’ lifestyles, habits and behaviors that seem suspicious or otherwise indicate they may live above their visible means.
• Employees hanging around in areas where they have no legitimate reason to do so is a red flag.
• Enforce your internal controls policies.
For back-office defense, Automotive Compliance Consultants shared these suggestions:
• Don’t allow one person to have complete control of bank accounts. Have one individual handle payoffs of trade-in balances and another control license and title activities; have a third person manage the day-to-day bill paying. This would mean having multiple accounts.
• Conduct regular audits of the books; auditing by a third party preferred.
• Daily review the DOC or daily operating control sheet. Look at vendor expenses closely and know each vendor and the service they provide. Look for any abnormalities in the expense, i.e. is it way too high for the service they are providing?
• Investigate anything that looks different or out of place on vehicle values, bank statements, inventory balances or number of ROs.
• Don’t shrug off any swing in profit, revenue or payables — always investigate.
• Pay close attention to used inventory and the water that exists. Market fluctuations will occur, but you don’t want to see large swings that could signal something amiss.
• Pay close attention to your wholesaled vehicles run a report at least monthly to see what is being wholesaled and check the price it was sold at.
• Pay close attention to contracts in transit — again, this could mean something other than just waiting on stips or stipulations, the documents required by a lender to fund a loan, such as proof of income, residence, and proof of insurance.
• Check bank statements personally; randomly look for abnormalities.
• Keep an eye on used car reconditioning; if looks out of place, dig deeper.
• Conduct monthly inventory of all vehicles, used and new, and match to the dollar amount on the books and/or floor plan.
And when it comes to data security, Automotive Compliance Consultants recommended that operators engage a managed security services provider to monitor your store’s network and alert your IT staff when an intrusion occurs so immediate action can be taken. Absent such real-time network monitoring, the dealership will likely remain open to network compromise and perhaps substantial loss.
Finally, Automotive Compliance Consultants stressed that dealerships need to make sure every employee knows that no internal theft of any kind will be tolerated — and be sure they understand violations will cause dismissal, at least, and criminal prosecution often.
“Sometimes having a third party audit the dealership’s exposures will provide the most prevention and peace of mind,” Automotive Compliance Consultants added.
Automotive Compliance Consultants specializes in dealership compliance, providing in-dealership consultations and analysis, compliance audits and training, and offers solutions for all compliance needs. The Automotive Compliance Consultants staff has extensive experience in the automotive retail industry and focuses exclusively on dealership compliance issues.
For information, contact Dortch at terry_dortch@compliantnow.com or visit www.compliantnow.com.
A little more than a month after Wayne Reaves Software rolled out an enhancement to its current platform that can provide the capability for buy-here, pay-here dealers to furnish credit data to Equifax, the DMS provider completed an integration with F&I Express, a digital solution that can allow operators to electronically secure customer signatures and transmit contracts and other required data directly to participating sources.
Officials explained the incorporation of F&I Express eContracting within the Wayne Reaves DMS is designed to generate a streamlined process for dealers. Within the DMS, dealers can digitally send the customer’s deal information directly over to F&I Express to complete the contract. F&I managers are ensured of 100 percent accuracy and error-free contracts with a few clicks, sending the contract digitally to the customer for signatures.
Once completed, the digital contract can be easily tracked and submitted.
“This new integration with Wayne Reaves will now further simplify the electronic contracting process — eliminating the need for dealers to re-enter contract data into the DMS,” said Brian Reed, president and chief executive officer of F&I Express.
“The integration with Wayne Reaves allows us to serve a wider range of dealers and provides them with new functionality that streamlines the total process. Dealers who use eContracting with Wayne Reaves DMS integration will find the process to be error-free and even more efficient,” Reed continued.
Reed went on to mention that eContracting can allow operators to significantly modernize their processes. It can automate critical checkpoints by ensuring that required fields and signatures are entered and contract requirements are met during the review process.
In addition, dealers now have access to more than 120 providers through the connection with F&I Express.
The companies added that the integration between Wayne Reaves and F&I Express significantly improves the process for independent dealers and BHPH operators. All Web-based, customers can be met where they choose and the contracts can be completed instantly.
Wayne Reaves president Jason Reaves insisted independent dealers now have more options than ever to serve their customers.
“Wayne Reaves’ car dealer management software provides an easy way to manage every aspect of the business,” Reaves said. “Now with our integration with F&I Express, our customers are able to easily pull accurate rates for providers and submit contracts electronically, 100 percent error-free.”
