At Wise Publishing

Our goal is to help people get ahead — and that goes for both our readers and our employees. We believe that by supporting each other, and listening to everyone's ideas, we can all grow faster. So we strive to be open and agile, and we refuse to stifle creativity with a stuffy environment or tons of overtime. If that makes sense to you, drop us a line.Perks of Working at Wise Publishing

Open positions

Senior Editor

About The Role

Wise Publishing is a growing digital publication with a focus on Personal Finance. We are looking to expand our content team in Toronto with the addition of a Senior Editor.

We need a stand-out Senior Editor who is comfortable analyzing data and dissecting complex information to dive into all personal finance topics and reporting. Our ideal candidate is motivated, with a knack for highlighting interesting trends for our readers. Must have deep knowledge of all personal finance topics within the U.S. and Canada.

You will oversee the organization’s content team to ensure their pieces promote the brand in a positive and engaging way. You will use analytical tools to monitor different campaigns’ progress and will build strategies to improve their content according to these results. You are organized, great at meeting deadlines, able to schedule and motivate your staff at attaining their deadlines and keep everything flowing smoothly.

You should be motivated to improve constantly, understand complex personal finance concepts quickly, and publish high-quality work with minimal oversight. You will be responsible for the continued mentorship and development of writers in your vertical and be responsible for training, feedback, coaching and one on one conversations of the writers and editors.

Job Responsibilities

  • Contributing original articles on a monthly basis
  • Skillfully editing articles produced by staff writers for same-day publication
  • New article ideation based on critical analysis
  • Meeting daily deadlines and achieving quick turnarounds
  • Assisting in the direct promotion of stories on social media
  • Meeting with Leadership team to keep them updated on work progress
  • Helping to create the project calendar
  • Training and developing the writers and editors
  • Administrative Duties
  • Scheduling and Organizing the writers’ calendar
  • Supervising the content creation process from writing through editing and publishing
  • Manage a team of freelancers
  • Participate in the hiring and training of all new employees

Qualifications

  • Leadership skills
  • Time management skills
  • Excellent communication skills
  • Multitasking and organizational skills
  • Knowledge of AP/CP style
  • Proven writing and editing skills
  • Good instincts for story flow and content organization
  • Ability to research complicated topics, understand quickly, and frame in a simple way
  • Experience with technical or professional writing
  • Experience writing about personal finance topics
  • Knowledge of or experience with SEO strategies
  • Independent worker that thrives without heavy supervision
  • Flexibility to pivot quickly with shifting goals of team and organization
  • Willingness to learn, collaborate, cooperate and develop skills on an ongoing

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Performance Marketing Specialist

About The Role

Wise Publishing is a digital publisher and technology company — but we’re much more than that. We’re a group of talented, passionate people who believe online publishing tools should be more useful and productive, and that consumers deserve the best possible information to help them make smart choices and get ahead. (We’re serious about that stuff, but trust us — we know how to have fun, too.)

Our core product is MoneyWise, our widely read, high-quality personal finance brand which serves the U.S. (MoneyWise.com) and Canada (MoneyWise.ca) that reach over 10,000,000 people each month.

Wise Publishing is hiring a Performance Marketing Specialist to support our paid advertising strategy focused on CPA and CPL monetization.

Our ideal candidate is an experienced ad buyer who can handle ongoing campaign optimization and platform testing. You are an independent thinker and worker who knows when to lean on your colleagues for support, and who can juggle competing priorities.

You should be a hands-on marketer with expertise in paid social platforms who loves solving problems and who is motivated to grow your successes into a scalable strategy.

Job Responsibilities

  • Develop media buying strategy based on revenue and profit-based KPIs
  • Build effective and engaging ad creatives across multiple platforms
  • Launch and manage campaigns across platforms
  • Perform regular analysis and optimization of campaigns
  • Manage ongoing optimization of landing pages and content strategy
  • Compile, integrate, and analyze data from multiple sources to identify trends and expose new opportunities
  • Collaborate with the Development, Editorial, and Revenue departments and company leadership to recommend optimization, tooling, and reporting to improve campaign performance
  • Actively communicate to company stakeholders
  • Reporting on performance and actively identifying and implementing optimization opportunities

Qualifications

  • Skilled with multiple paid social platforms and/or content rec platforms
  • Highly skilled with Facebook Ads and Google AdWords
  • Experience designing, managing, and optimizing campaigns focused on CPA or CPL revenue growth at a positive ROI
  • Proficiency with analyzing marketing datasets and making data-driven decisions
  • Ability to prioritize and manage multiple projects with exceptional attention to detail
  • Excellent problem solving and time management skills
  • Familiarity with Google Optimize
  • Articulate communication style and adaptable team-focused worker
  • Previous experience working on Personal Finance products a huge plus
  • Some knowledge of SEO optimization tactics a plus

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Full Stack Developer

About The Role

Wise Publishing, Inc is a digital publisher and technology company-- but we’re much more than that. We’re a group of talented, passionate people who believe online publishing tools should be more useful and productive, and that consumers deserve the best possible information to help them make smart choices and get ahead. (We’re serious about that stuff, but trust us -- we know how to have fun, too)

Our core product is MoneyWise, our widely read, high-quality personal finance brand which serves the U.S (MoneyWise.com) and Canada (MoneyWise.ca) that reach over 10,000,000 people each month.

Wise Publishing, Inc is looking for a skilled full stack developer to compliment its growing development team. You will get the opportunity to build new web experiences and applications for millions of users.

Our ideal candidate is an ambitious developer looking for a challenging role with an abundance of learning opportunities. If you’re passionate about development and are constantly seeking to learn and improve your skills, then you might be the person we’re looking for. You should be a self-starter, motivated to learn, and have demonstrable skill in full stack development with a keen eye for detail and user experience.

Our Stack:

We own and operate multiple websites and applications using Laravel as the back-end and a mixture of Vue, React and vanilla JS front-ends.

Required Skills:

You will be able to demonstrate advanced competence in:

  • Clean, DRY PHP7+ code.
  • Laravel 8+
  • CSS (via SASS)
  • HTML5
  • ES6+
  • OWASP Top Ten and related web security.
  • Solid experience with SQL
  • CDN technologies such as S3/CloudFront and CloudFlare
  • MySQL/Aurora in a high performance environment
  • ElasticSearch and other NoSQL environments
  • Back end performance optimization: Caching, Database Optimization, Indexing etc
  • CDN technologies such as S3/CloudFront and CloudFlare.
  • A solid knowledge of JS runtime (Scope, Hoisting, Event Loop, Asynchronicity) as well as a solid knowledge of Webpack/Babel to support IE9+
  • Vue and React frameworks
  • Framework-less, pure JavaScript environment
  • Building custom, cross browser compatible classes and functions, as well as Web page performance optimisation
  • CI/CD Pipelines
  • Test Driven Development
  • SOLID principles
  • A strong understanding of a good UX. Be able to implement clean, consistent user experience.
  • Demonstrated knowledge of good design practices.
  • Familiarity with working in an Agile production environment.
  • Must be able to collocate with the Toronto office, post Covid Restrictions.
  • Strong problem solving and communication skills.

Required Experience & Qualifications:

  • Bachelor’s degree in Information Systems, Computer Science or minimum of five years’ work experience.
  • Experience working on dynamic teams with other developers, senior developers, and/or product managers, is preferred. (LEAN development preferred)

Preferred Skills:

  • Understand display advertising core concepts such as GPT tags.
  • NewRelic and Rollbar
  • AWS Administration skills. Specifically in the areas of:
    • ElasticBeanstalk
    • Elastic Cache
    • RDS
    • SQS
    • Lambda (or Laravel Vapor knowledge)

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Digital Marketing Intern

About The Role

Wise Publishing is a digital publisher of personal finance advice and information aimed at helping people in the U.S. and Canada make sense of finance. We’re a group of talented, passionate people who believe that consumers deserve the best possible information to help them make smart choices.

Our core product is MoneyWise, our widely read, high-quality personal finance brand which serves the U.S. (MoneyWise.com) and Canada (MoneyWise.ca) and reaches over 10 million people each month.

We are looking for a talented and motivated co-op marketing intern for our Toronto office. In this role, you will participate in marketing editorial content on digital advertising platforms such as Snapchat, Facebook, and Taboola.

This role is a paid, full time, fixed-term summer internship (June through September) and reports to the Marketing Manager.

Job Responsibilities

  • Launching and managing ad campaigns across multiple digital advertising platforms.
  • Reviewing advertising performance data in real-time
  • Applying insights from analytics to improve advertising performance
  • Optimizing advertising bids and budgets to meet objectives
  • Reviewing performance data to propose new content and changes to existing content

Qualifications

  • Expert communication skills in English
  • Beginner-level experience with photo manipulation (i.e. Pixlr, Canva, Photoshop, Gimp, etc.)
  • Beginner-level understanding of paid social media marketing
  • Demonstrable willingness to learn, collaborate and develop new skills
  • Prior social media marketing experience is considered an asset
  • Current university or college student in marketing, advertising or communications or a related field of study, preferably in their final year

Learning Opportunities:

  • Ad creative development
  • Campaign launch and management
  • Optimization and data-driven testing

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Senior Digital Media Buyer

About The Role

Wise Publishing is a digital publisher of personal finance advice and information aimed at helping Americans and Canadian make sense of finance. We’re a group of talented, passionate people who believe that consumers deserve the best possible information to help them make smart choices.

Our core product is MoneyWise, our widely read, high-quality personal finance brand which serves the U.S. (MoneyWise.com) and Canada (MoneyWise.ca) that reach over 10,000,000 people each month.

We are seeking a senior media buyer. Reporting to the Sr Manager of Digital Marketing, the senior media buyer will optimize our media buys and grow our revenue. This role will achieve this by:

  • Buying media with a positive ROAS
  • Optimizing media processes for ROAS growth
  • Assist in coaching the media buying team

Job Responsibilities

  • Deeply understand the digital marketing performance of each platform
  • Assist SR. Manager in leading media buying team
  • Lead and analyse media buys and develop and implement innovative strategies for improvement and growth
  • Performing ROAS analysis to evaluate the efficiency and effectiveness of different marketing campaigns
  • Develop insights for optimizing media
  • Providing consultancy on campaign tagging and additional on-site tracking
  • Maintaining phone number tracking and analyzing leads and rentals from each marketing channel
  • Keep abreast of media buying trends

Qualifications

  • 4-6 years experience
  • Expert in all of the latest advertising and media trends
  • Deep understanding of arbitrage media buying
  • Deep understanding of buying for positive ROAS
  • Experience with RevContent
  • Experience With Taboola
  • Experience with Facebook Ads
  • Experience with Yahoo Gemini

Technical Skills:

Must have:

  • Adwords/Adwords Editor
  • Bing Ads/Bing Ads Editor
  • Google Analytics
  • Facebook Ads/Facebook Ads Editor
  • AdBeat
  • Canva or Photoshop
  • SpyFu
  • SEM Rush
  • Excel
  • Powerpoint
  • BI tools

Nice to have:

  • Bachelor degree in business, marketing, or math
  • Management experience
  • Google Analytics Certified
  • Google Adwords Certified

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Insurance/Taxes Reporter

About The Role

Wise Publishing is a growing digital publication with a focus on Personal Finance. We are looking to expand our content team with the addition of an Insurance/Taxes Reporter.

We need a standout journalist who is comfortable analyzing data and dissecting complex information to dive into insurance and taxes reporting. Our ideal candidate is motivated, with a knack for highlighting interesting trends for our readers. A knowledge of U.S. insurance and tax knowledge is helpful, though not essential.

The reporter will work directly with our Editor to build out engaging insurance and tax content with a strong consumer focus. We are looking for a writer who can handle a challenging workload without significant editorial oversight.

Job Responsibilities

  • Write, build out and deliver content with a consumer focus.
  • Collect, verify and thoroughly analyze newsworthy information about insurance and taxes.
  • Stay up-to-date on the latest events and trends for our readers.
  • Contact, interview and research sources.
  • Write stories using proper grammar and following AP/CP style guidelines while also ensuring the stories are professional in style and presentation, and friendly and conversational in their approach.
  • Rework pieces as requested by the managing editor and update pieces as needed for ongoing or developing stories
  • Meet all deadlines for projects as requested by the managing editor.

Qualifications

  • Knowledge of AP/CP style
  • Proven writing and editing skills
  • Good instincts for story flow and content organization
  • Ability to research complicated topics, understand quickly, and frame in a simple way
  • Experience with technical or professional writing
  • Experience writing about personal finance topics
  • Knowledge of or experience with SEO strategies
  • Independent worker that thrives without heavy supervision
  • Flexibility to pivot quickly with shifting goals of team and organization
  • Willingness to learn, collaborate, cooperate and develop skills on an ongoing basis

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Credit Card Reporter/Reviewer

About The Role

Wise Publishing is a growing digital publication with a focus on Personal Finance. We are looking to expand our content team with the addition of a Credit Cards Reporter.

We need a standout journalist who is comfortable analyzing data and dissecting complex information to dive into credit card reporting and reviews. Our ideal candidate is motivated, with a knack for highlighting interesting trends for our readers. A knowledge of U.S. credit card products is helpful, though not essential. Experience writing product reviews also would be helpful.

The reporter will work directly with our Credit Cards Editor to build out engaging credit card content with a strong consumer focus. We are looking for a writer who can handle a challenging workload without significant editorial oversight.

Job Responsibilities

  • Write, build out and deliver content with a consumer focus.
  • Collect, verify and analyze thoroughly newsworthy information.
  • Stay up-to-date on the latest events and trends for our readers.
  • Contact, interview and research sources.
  • Write stories using proper grammar and following AP/CP style guidelines while also ensuring the stories are professional in style and presentation, and friendly and conversational in their approach.
  • Rework pieces as requested by managing editor and update pieces as needed for ongoing or developing stories
  • Meet all deadlines for projects as requested by the managing editor.

Qualifications

  • Knowledge of AP/CP style
  • Proven writing and editing skills
  • Good instincts for story flow and content organization
  • Ability to research complicated topics, understand quickly, and frame in a simple way
  • Experience with technical or professional writing
  • Experience writing about personal finance topics
  • Knowledge of or experience with SEO strategies
  • Independent worker that thrives without heavy supervision
  • Flexibility to pivot quickly with shifting goals of team and organization
  • Willingness to learn, collaborate, cooperate and develop skills on an ongoing basis

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Backend Developer

About The Role

Wise Publishing is a digital publisher and technology company — but we’re much more than that. We’re a group of talented, passionate people who believe online publishing tools should be more useful and productive, and that consumers deserve the best possible information to help them make smart choices and get ahead. (We’re serious about that stuff, but trust us — we know how to have fun, too.)

Our core product is MoneyWise, our widely read, high-quality personal finance brand which serves the U.S. (MoneyWise.com) and Canada (MoneyWise.ca) that reach over 10,000,000 people each month.

Wise Publishing, Inc is looking for a skilled back-end developer to complement it’s growing development team. You will get the opportunity to build new web experiences and applications for millions of users.

Our ideal candidate is an ambitious developer looking for a challenging role with an abundance of learning opportunities. If you’re passionate about development and are constantly seeking to learn and improve your skills, then you might be the person we’re looking for. You should be a self-starter, motivated to learn, and have demonstrable skill in a range of back-end web development disciplines

Our Stack:

We own and operate multiple websites and applications using Laravel as the back-end and a mixture of Vue, React and vanilla JS front-ends.

Required Skills:

You will be able to demonstrate advanced competence in:

  • Clean, DRY PHP7+ code.
  • Laravel 8+
  • OWASP Top Ten and related web security.
  • Solid experience with SQL
  • Back end performance optimization: Caching, Database Optimization, Indexing etc.
  • CDN technologies such as S3/CloudFront and CloudFlare
  • MySQL/Aurora in a high performance environment
  • ElasticSearch and other NoSQL environments
  • Kibana
  • Working with third party APIs
  • CI/CD Pipelines
  • Test Driven Development
  • SOLID Principles
  • Repository Pattern
  • Must be able to collocate with the Toronto office, post Covid Restrictions

Required Experience & Qualifications:

  • Bachelor’s degree in Information Systems, Computer Science or minimum of five years’ work experience.
  • Experience working on dynamic teams with other developers, senior developers, and/or product managers, is preferred. (LEAN development preferred)

Preferred Skills:

  • NewRelic and Rollbar
  • AWS Administration skills. Specifically in the areas of:
    • ElasticBeanstalk
    • Elastic Cache
    • RDS
    • SQS
    • Lambda (or Laravel Vapor knowledge)

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Web Designer

About The Role

Wise Publishing is a digital publisher of personal finance advice and information aimed at helping people in the U.S. and Canada make sense of finance. We’re a group of talented, passionate people who believe that consumers deserve the best possible information to help them make smart choices.

Our core product is MoneyWise, our widely read, high-quality personal finance brand which serves the U.S. (MoneyWise.com) and Canada (MoneyWise.ca) and reaches over 10 million people each month.

We’re looking for a motivated and detail-oriented web designer who’s passionate about creating beautiful web experiences for users in Canada and the U.S and that is motivated to work in a fast-paced environment.

You will be working with the Development team to design user experiences for all of our public-facing web properties. You will own and manage the design process from the start of project inception through to delivery into production, working closely with various stakeholders along the way and reporting to the Product Manager.

Job Responsibilities

  • Design and build web pages, landing pages, email templates, social assets and digital experiences across the MoneyWise.com and MoneyWise.ca websites.
  • Prototype designs and wireframes in Adobe XD, or similar.
  • Passion for user experience, in alignment with current best practices and design trends and insight-based design.
  • Exceptional interpersonal and communication skills required to build productive working relationships with diverse colleagues across the business.
  • Excellent organization and project management skills with a high level of attention to detail and accuracy.

Technical Skills:

Must have:

  • A Killer portfolio of related work.
  • Demonstrated experience in web and UX design, with an understanding of mobile-first and responsive design.
  • 3+ years of web design experience, and/or with digital publication websites (U.S. and/or Canada).
  • Proficient with Adobe XD, Sketch, or other design tools, in addition to the Adobe suite (Photoshop, Illustrator, InDesign, etc.).
  • Success working with front-end developers on CMS based platforms, using the most common coding languages (HTML/ HTML5, CSS or similar).
  • Experience working on several projects at once.
  • Experience with Scalable Vector Graphics (SVGs)- a must-have.
  • Have a component-based approach to design (Figma / AdobeXD based) in which exporting designs and sharing with the developers can be accomplished easily.
  • Experience building or working with brand/style guidelines.
  • Ability to design slick print material too.

Nice to have:

  • Bachelor degree in business, marketing, or math
  • Management experience
  • Google Analytics Certified
  • Google Adwords Certified

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

QA Analyst

About The Role

Wise Publishing is a digital publisher of personal finance advice and information aimed at helping people in the U.S. and Canada make sense of finance. We’re a group of talented, passionate people who believe that consumers deserve the best possible information to help them make smart choices.

Our core product is MoneyWise, our widely read, high-quality personal finance brand which serves the U.S. (MoneyWise.com) and Canada (MoneyWise.ca) and reaches over 10 million people each month.

We’re looking for a motivated and detail-oriented QA Analyst who’s passionate about testing and has knowledge of the Web and Software Development Test Life Cycle. We are seeking someone that is motivated to work in a fast-paced environment.

You will be working with the Development team to ensure the overall quality of web projects delivered to the end-users of our digital publication properties. You will own and manage the entire QA process, from the start of project initiation through to delivery into production, working closely with various stakeholders along the way.

In addition to working on website pages, widgets, templates and pages intended for performance marketing purposes, you’ll also participate in the testing of newly developed or modified software applications for internal customers.

The QA Analyst must have excellent communication and analytical skills. They must also be well organized, driven to achieve and be able to justify changes and persevere through resistance. The QA Analyst will act as a catalyst and coach throughout the organization to achieve new levels of consistent quality.

Job Responsibilities

  • Review and analyze business requirements for the new functionalities.
  • Design and write test plans and descriptive test cases.
  • Execute testing and communicate test activities and issues to the rest of the Development team. Report to management on the status of testing and tasks.
  • Perform Manual functionality, UAT, and regression testing of web applications.
  • Validate that user expectations are achieved during the testing process.
  • Investigate, report, and verify issues by opening and tracking defects to closure.
  • Interact with product & project managers, as well as developers to ensure that test cases execution provides complete coverage.
  • Support the implementation of acceptance criteria for user stories, tasks, and bugs.
  • Collaborate with various internal teams by participating in meetings pertaining to QA (i.e. scrum meetings, daily stand-ups, discovery and project meetings, etc.)
  • Suggest software enhancements to increase the usefulness of the application.
  • Contribute to the advancement of QA processes, testing techniques, test automation, etc.
  • Contribute to setting up, configuring, and enhancing the test environment.
  • Other duties and assistance to the team as assigned by management.

Qualifications

  • Bachelor’s degree in Business Administration, Computer Science or other related fields.
  • 2+ years of experience in Quality Assurance and Testing web applications, preferably within an AGILE environment in the SaaS, Marketing, and/or web publishing industry.
  • Experience in writing testing cases/plans, acceptance criteria, and understanding of QA processes, and manual testing techniques.
  • Experience in Desktop, Mobile, Cross-Browser, API & Web Widgets testing.
  • Experience with Test Management and Defect Tracking tools like JIRA.
  • Excellent communication skills (written and verbal) with an ability to write test plans & cases and effectively communicate defects to developers and other stakeholders.
  • Strong multi-tasking and organizational skills with an ability to stay focussed on tight deadlines and deliverables.
  • Strong problem-solving skills and analytical thinking.
  • Ability to work independently and on a team.
  • Basic level of experience with an understanding of SQL and relational database systems would be an asset.
  • Experience with CI/CD pipelines would be an asset.

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Copywriter

About The Role

Wise Publishing is a digital publisher of personal finance advice and information aimed at helping people in the U.S. and Canada make sense of finance. We’re a group of talented, passionate people who believe that consumers deserve the best possible information to help them make smart choices.

Our core product is MoneyWise, our widely read, high-quality personal finance brand which serves the U.S. (MoneyWise.com) and Canada (MoneyWise.ca) and reaches over 10 million people each month. We are growing quickly and looking to expand our content team with the addition of a creative and enthusiastic Copywriter. If you are innovative, energetic and imaginative, and if you love attracting people with your writing, we want you on our team!

You’re a good candidate if you have exceptional writing and research skills and an ability to adapt to the varying needs of the team and company. We’re looking for someone who’s an out-of-the-box thinker and storyteller, a team member who can be depended on for a unique perspective. You need to bring impeccable proofreading skills and be a strong and effective communicator. You should be motivated, detail-oriented and dependable.

We are looking for a Copywriter who can handle a challenging and agile work environment and thrives under pressure!

Job Responsibilities

  • Create high-converting marketing copy for our websites, social media platforms, email, ad campaigns and more.
  • Develop and implement creative marketing and communication strategies for target audiences.
  • Collaborate with teams including developers and marketing, and contribute expertise during meetings and sessions.
  • Interpret copywriting briefs to understand project requirements.
  • Edit and proofread copy as needed.
  • Source images and other content.

Qualifications

  • BSc/BA in English, Marketing, journalism or a related field.
  • Knowledge of AP/CP style.
  • Experience in personal finance copywriting.
  • Proven experience as a copywriter or related role (2-3 years).
  • Knowledge of online content strategy and creation.
  • Experience writing SEO-optimized copy.
  • Exceptional writing, editing and proofreading skills.
  • Ability to research complicated topics, understand quickly and frame in a simple way.
  • Flexibility to pivot quickly with shifting goals of team and organization.
  • Willingness to learn, collaborate, cooperate and develop skills on an ongoing basis.

Please send your resume to careers@wisepublishing.com along with a brief cover letter.

Perks of Working at Wise Publishing

1.

Health and Lifestyle Benefits

Flexible health spend benefit dollars and work-from-home options that suit your lifestyle.

2.

Team Outings & Events

Monthly team events and quarterly outings will resume when it's safe.

3.

Learning and Development

Education fund, lunch & learn events.

4.

Office Extras

Snacks, coffee and catered lunches will be coming back once we have returned to the office.

5.

Happy Hour

Remote work won't stop our weekly Happy Hour events.

6.

Work-Life Balance

Flexible work schedules and higher-than-average personal time off.