justin and kevin: Welcome back. Welcome back. Everybody sit back, relax, take a load off, turn the volume up. We got an episode for you. ⁓ good to be back. Good to be talking magic with you, my friend. It's always a good time. ⁓ it's one of my favorite things to do. ⁓ talk about magic, play magic, think about magic, and ⁓ even more so, or just you know, just as much so, I shall I'll say, is to talk about my own deck. ⁓ so I love talking about my deck. I love thinking about my decks. And ⁓ yeah, so Justin and I had an idea of we kinda wanna start it ⁓ you know, slowly doing a couple of our our own deck techs. I know we've done some open ended commander ⁓ you know, with the open ended commander series in the past, but ⁓ wanted to give you guys ⁓ kind of a little bit more detailed look at some of the decks ⁓ in our roster. you know, maybe some of the decks in our in our pod. A roster roundup if you will. ⁓ yes. Perfect, my friend. we're gonna go through ⁓ and ⁓ we're just gonna talk about it, talk about our for it, what we like about it, ⁓ probably with mine what Justin hates about it. ⁓ And ⁓ just yeah, maybe get get your opinion a little on you think and ⁓ yeah. So ⁓ so I think I'm gonna start off today. ⁓ and we're gonna go ⁓ we're kind of trying out a new setup here for those of you watching, but we're gonna do this here. So hopefully that works out for everybody. For those of you listening at home, enjoy the sounds of our beautiful voices, especially Justin's. ⁓ today we're gonna start off with my Zask Skittering Swarm Lord deck. ⁓ Zaq is a three-colorless, two green. It's a five-five. It's a legendary creature, obviously. ⁓ it's an insect. And it says, you may play lands and cast insect spells from your graveyard. Whenever another insect you control dies, put that on the bottom of its owner's library. Then I can mill two cards. It also has an ability that says pay one and either a black or a green. And it says target insect you control gets plus one plus one and gains death touch until end of turn. Black. I didn't know you had black on this deck. So yeah, so technically this is a Golgari deck. ⁓ however I color cropped. I was really curious ⁓ in building this. Just I wanted to see what ⁓ cutting black ⁓ could do. ⁓ as most people know that are really, you know, kind of in the magic world. Black has a great relationship to graveyards. ⁓ it just does. ⁓ actually quite a few colors do now. You know, white's quite w does quite well with graveyards, ⁓ even green. ⁓ you know, the eternal witnesses of the world, right? but, you know, I wanted to see what cutting black would do. and I was pleasantly surprised. ⁓ He doesn't need it. I don't think I need it. ⁓ I think so this deck, yeah, it it it is, I would consider a graveyard deck. It's ⁓ it derives a lot of value from its graveyard. It's able to see a lot of cards that way. So ⁓ and then I think really as far as like kind of we'll jump to what it's really trying to do is is it's trying to outvalley people and it is trying to play I I'm trying to make insect tokens ⁓ and overrun people. I'm trying to play big ⁓ you know insect bombs there's a few of them in there and I'm just trying to win through combat damage is is kind of the ⁓ the way it goes. So let's jump into some quick stats here. ⁓ so this deck ⁓ is it's got thirty seven lands, twenty seven creatures, three artifacts, fourteen sorceries, eight instants, nine enchantments, and one planeswalker. So that's kind of the quick stats, but we can go through some of that now. I'll start with the creatures. ⁓ okay, we got ⁓ kind of some of the smaller guys here. We got circuit mender. you know, it's a way to ⁓ you know to draw cards, to gain a little bit of life. It's also a a little bit earlier of a play. It's a three mana, two three. ⁓ I got some ⁓ this is a one mana. It's called Haywire Might. ⁓ this is my you know, enchant and artifact removal engine here. ⁓ this says so it's one mana. ⁓ it says when it dies I can gain two life, which is a little bit of life gain never hurts. ⁓ keeps me in the game longer. But really it's in there because I get to pay green, sacrifice it, and exile target enchantment. ⁓ sorry, target artifact or non creature enchantment. So with Zass being able to play it from my graveyard, I can just kind of keep looping this. ⁓ and it's it's a way to destroy any artifact or enchantment that I need. Okay. ⁓ so let's go into some of my token makers here. I have this card which I've been a little bit obsessed with ever since Popper. good old Sabre Ants. Just Saber Ants. ⁓ it's a token maker and it says ⁓ whenever it is dealt damage ⁓ I may put that many one one green insect creatures into play. So ⁓ you know, we'll go into this later, but I have stuff like lure effects in the deck to make sure, you know, that it's blocking. But usually with that on the battlefield, it's either like I I want it to die and I, you know, I'm just blocking constantly with it and guess what? Next turn, just play it again. Play it again. You know, and just keep bringing it back and keep making those insect tokens. ⁓ I have the old classic I got Scoot Swarm making more insect tokens. That's ⁓ it's a landfall. Whenever landfall enters, I make a one one insect. ⁓ I have Living Hive. ⁓ Living Hive is is not only it's a big bomb, it's ⁓ eight mana, ⁓ six six with trample, but it also says whenever it deals combat damage to a player, put that many one one green insect creature tokens onto the battlefield. So either it's I'm making six, I'm dealing six damage and making six one one tokens, or I'm probably killing something and still making, you know, an insect token or two. but I'm just kind of flooding the board with with insect tokens here. ⁓ I got Ant Queen. It's a mana sync. ⁓ five mana, five five, and it's got a two mana activation that I can pay any amount of times that I have the mana for, create a one one green insect ⁓ creature. ⁓ I also have the classic ⁓ Hornet Queen. It's a great card. ⁓ it's a 2-2 flying death touch for ⁓ seven mana, but it comes along and it makes four one one green insect creature tokens with flying and death touch. So making those token bodies. ⁓ and again, if it dies, ⁓ I'm gonna kill something because I'm probably blocking with it. And I can just recast it from my graveyard. So just trying to Kinda flood the board with some tokens here. What do we do when we when we flood the board with tokens? ⁓ we want to pump them up and we want to swing for damage. So ⁓ we also want to draw cards. ⁓ I got Toski. ⁓ right? So ⁓ Toski is a ⁓ four mana. It's an indestructible squirrel. I know it's not an insect. ⁓ so here's the thing with the deck, right? I can't bring this back from my graveyard. I have other ways of bringing it back. But ⁓ You know, I have some card drawn here that I'm hoping to just draw f draw it and ⁓ it's basically just any creature that deals damage to a player, I'm just drawing cards off of that. So ⁓ I think it's good enough not to be an insect. ⁓ another card that I think is good enough not to be an insect in the deck, because I am flooding the board with tokens. It's ⁓ Thunderf Thunderfoot Bailoff. ⁓ it's a beast, ⁓ but it's ⁓ Six mana, five five trample, and as long as I control my commander, ⁓ other creatures get plus two, plus two and have trample. I was gonna say it's a lieutenant, so it belongs in there. Yeah, right. That card's good in any commander deck. Yeah, I mean look, it ⁓ Justin has famously said that what is this an overrun deck? And it basically is. I mean it's mono green in my case, so I'm just trying to kind of flood the board with either tokens or creatures, outvalue people and, you know, also have some big bodies out there too. But and I need to pump up that damage a little bit, multiply it. It's funny that we're like going over the deck list and I'm remembering all the games we've played against each other and I would have never guessed this is like a token deck 'cause yeah. Most of the time you're just playing creatures and bringing them back. Not necessarily. I know you do generate one one ⁓ insects, but you don't ever really like flood the board, which is very interesting. I don't know, just like hearing all the cards. I'm glad we're doing this because like I would have never known you had all that token generation and stuff. Yeah. You know, I would say this for me has been probably one of my most consistent brews. and I think a a reason for that is that one, green is just Green is generically powerful, you know. ⁓ I think every commander deck needs mana, right? So mana ramp in the in the version of green. But ⁓ it's just like it it it can use its graveyard, which is amazing. You could just keep bringing back these creatures. And then, you know, it it goes wide. So, you know, it's good at blocking because one I can bring them back from my graveyard. it's good at trampling over. You know, the overrun. Yeah, the yeah, the what is this? An overrun deck? It's good at doing that. And so for me it's like it kind of just checks all these boxes of like I you guys know me and people that have been following along, ⁓ know that I tend to take a lot of early damage. But this deck I just feel like the one of the reasons why I love it so much is that I feel like it's just consistent and always doing something and I just I love that. So yeah. again I'm making tokens, right? So again, not an insect, but I got ⁓ enduring vitality. creatures I control can tap to add mana of any color. It's good. ⁓ which is great. And if it dies it comes back as an enchantment, which is awesome. So ⁓ okay, ⁓ let's see. So I got ⁓ some I got a flesh burr here. It's a death touch, you know. ⁓ I got probably one of the better newer insects out there is ⁓ Ice Till Explorer. it says I can play lands from my graveyard. ⁓ so if Zask is commander taxes through the roof, I suppose, but ⁓ and then it also says ⁓ whenever ⁓ a land you control enters, mill a card. So it's just kind of filling my my graveyard. That's a this is really a graveyard deck, so I w I wanna either draw the cards through my hand I wanna flo you know, mill into my own graveyard, ⁓ just to s you know, see all my cards and kind of use my graveyard as as another form of my hand. So, ⁓ it's it's a bomb in the deck. ⁓ so ⁓ I'm gonna kinda kinda rapid fire some off here, but I got ⁓ Crash of the Rhino Beatles here. it's five five trampler and it gets plus ten, plus ten if I control ten or more lands, which for me is very easy to do in this deck with how much ramp I have and Playing lands for my graveyard. I also like that art. Yeah, me too. ⁓ I got an Antiqua tra ⁓ tracer. That's that's a way that I can ⁓ get some of these things that are not ⁓ insects out of my graveyard. ⁓ so I can ⁓ same thing. Timeless witness. ⁓ not an insect, but it's a way that I can get stuff out of my graveyard. And if I mill it, I can just eternalize it and use it that way. Return something back to my hand. not a insect. I know, right? I have a few that are not, but it's just too good. ⁓ this is Defiler of Vigor. It's a five mana, six, six trample. That's good enough as it is. Yep. ⁓ and then as an additional cost to cast green spells, I can just pay two life for each colour pip. So ⁓ if I'm running out of mana and I really need to. I will pay ⁓ life Four days to cheat out a bunch of creatures and get them plus one, plus one all day. How many times have you paid eight life for sylvan and Library? ⁓ I mean unless it's unless you're at eight life. Yeah, yeah. Yeah, right. Unless you're like down to like in the low like teens or t even in the twenties I'm kinda like, ⁓ exactly but still, yeah, dude. When you're at forty a hundred percent life is a resource. Your parents gave you twenty bucks to go have fun. Are you not gonna spend twenty bucks of it? Or nineteen bucks of it, you're gonna go, you gotta spend it all. Yeah, of It's not your money. Exactly. So yeah, ⁓ life's a resource. Use it. Use it. All right. ⁓ an Antuka Elder, just mana wrap. ⁓ here's some bombs here. We got Mold Graph Millipede. ⁓ when it enters mil ⁓ I'm sorry, that's wrong. Not that's not a bomb, but still good. ⁓ Moldgraph Millipede enters, ⁓ mill three cards. Again, fill in that graveyard. Put a plus one, plus one kind of mil mold graph millipede. for each creature. I got Eternal Witness. ⁓ that's a bomb. Y'all know that card. I got Dust Shell Crawler. I got a Traxus Skitter Fang. Here's a bomb. I got Altonac, the thrice called. It's a nine nine trampler, people. Yeah. yeah, that's just that's good. I got Quarry Beetle. I got Nantuco Cultivator. I got probably my pet card in the deck and everyone hates it but also loves it. Giant Adiphage. ⁓ it's a seven mana, seven seven trample, and whenever it deals combat damage to a player, create a token copy of that. So it's so I I love it. But it's it just sucks 'cause it's like even if you throw a chump blocker in front of it to like It's got trampled. I know. It's like, why am I even why am I even losing a token or whatever it may be to throw it in front of it when you're just gonna make another one? So it's like, ⁓ I I get so frustrated with that card, and though even though I love it, but especially in your deck. And then you kill it and then he just brings it back from the graveyard. And you're like, God. Yeah. Yeah. His deck is very consistent and it is. You know. Board wipes, bring ⁓ on, he says. I'm like, I don't care. And I love that feeling too. You're just like, I don't really care. Yeah. You you almost ask for a board wipe at some point. Sometimes. Sometimes. To reset everyone else's board and you're like, ⁓ I'll bring everything back. Exactly. ⁓ I got a Molegraph monstrosity. ⁓ it's a seven mana eight eight trample. Wha who knew insects could get this big? I thought insects were tiny. I I agree. Eight eight would trample. ⁓ when it when it dies ⁓ I can exile it, ⁓ and then return two creature cards ⁓ fr at random from my graveyard to the battlefield. So if I really needed to get some creature cards out there, I could, but it's just an eight eight trample for seven. So it's pretty pretty tasty. I like how everything has trample. ⁓ yeah. ⁓ absolutely. Insects with trample. That's you what's better than just having trample? Having vigilance. That's a good one too. Trample. ⁓ and undying. ⁓ this is Vorpede. It's a five mana ⁓ Vigilance Trample 54 and it's got Undying. So if it were to die, it just comes right back onto the battlefield with a plus one plus one counter. Yep. And then if that were to die, I can just recast it from the graveyard. Pretty sweet. Yeah. ⁓ look, guys, it's green. ⁓ I ramp, okay? You got the classics, right? You got the Kodama's Reaches. You got the ⁓ cultivates. ⁓ You got the rampant growths. ⁓ kind of an interesting one that I haven't seen too much, but you got deep reconnaissance. It's basically ⁓ it's mana ramp. ⁓ you got migration path, right? Just trying to ramp. ⁓ and then other kind of stuff here for like ⁓ you know, I got barroom brawl. ⁓ this is a fight, right? This is a fight spell. So target creature and opponent controls ⁓ excuse me, target. creature you control fights target creature the opponent to your left controls, then that player may copy this spell and they choose new targets for the copy. It's you can maybe make some deals. I just put it in there because I thought it was fun. ⁓ a regular fight spell would probably be better in its place, but I mean I can give any insect ⁓ death touch for two mana. So Yeah you like silly cards too. I do. And it's yeah I agree. I think it's fun. I like I like synergy, but I don't always like optimal. Make optimal, you know? I like I like some kind of silliness in there. Mm-hmm. ⁓ great. I have ⁓ let's see. I have Malevolent Rumble. ⁓ reveal the top four cards of your library. You may put a permanent card from among them into your hand, put the rest into your graveyard. And then it says create a zero one colorless Eldrazi spawn creature token. ⁓ and has sacrif ta or excuse me, sacrifice to add one colus, which that's just icing on the cake, but it's basically reveal the top four and you know, put put an insect in the hand. ⁓ I got some draw. It's green. I mean, come on. It's Rish Card's expertise. It's great. What? That card slap baby. ⁓ the slap you like that? I do. That slap. Love a I love a nice card slap. It's probably the best green card Draw draw a spell for like big creatures. Draw cards equal to the power and then you can put something for five or less for free. Just value. ⁓ shamanic revelation. I'm going wide, so I want to draw a card for each creature that I control. And then ⁓ ferocious. I can gain four life for each creature if I can control a creature with power four greater. My commander's a five five. So a bunch. Yep. And I got a bunch. So And I love when that hits. When you hit that ferocious, it's so nice. Like when I'm down to my last, you're just like You got we gotta get him, and then you're like all shamanic revelation. You're like I'll gain thirty life. You're like, Well that sucks. Okay, now he's out of range. Yeah. I love this card. This is it's so good in this second. It's so fun. But ⁓ Formless Genesis. It's a changeling. ⁓ so it's the shapeshifter sorcery, and basically it says, ⁓ create an XX colorless shapeshifter creature. Token with changeling and death touch where X is the number of land cards in your graveyard. ⁓ I'm filling it. So it's usually a lot a lot, ⁓ for the value of X. And then guess what? I can just keep playing it next turn. Yeah. So and what's really cool is, you know, I I can play that multiple times in a turn with my commander out there. So like, you know, I can pay f if I had six mana, I can play that twice, you know, and just make two big things, which is awesome. Six mana and green. Easy peasy. It's easy. I got regrowth to get some of those pieces out that are not ⁓ not insects or stuff that I need. And then I got a few overruns here as well. ⁓ I have the card actual. It's ⁓ overrun. Get plus three, plus three and triple until end of turn. That's awesome. ⁓ one mini games that way. I got overwhelming encounter. It's basically the same thing. ⁓ don't you won all of your games that way? Pretty much. Isn't this an overrun deck? Yeah, what is this? An overrun deck? ⁓ creatures gain vigilance, which is awesome, and trample until end of turn, and then I get to roll a d20. One through nine, creatures get ⁓ plus two plus two, ten through nineteen, ⁓ put two plus one plus one counters on each creature I control, and then if I roll the best of the best twenty, ⁓ I can put four plus one plus one counters on each creature I control. It's yeah. Jeez. It's yeah, it's an overrun here. And then overwhelming stampede. ⁓ Until end of turn creatures I control get trample and plus X plus X where X is the greatest power among creatures I control, which usually is at least five. Yep. With my commander out there. So yeah. ⁓ that's how I win, right? okay. I'll quickly move into instance here. ⁓ so I have, you know, I again I can give stuff death touch. So I got prize fight. It's a fight spell. Okay. ⁓ This is for the ancestors. I can choose a creature type, look at the top six cards of your library, and I can put reveal any number of those cards with the chosen type and put them ⁓ into your hand. ⁓ so it's just, you know, it's a way to get more cards in my hand. ⁓ I got more rap here. I got Harrow. ⁓ let's see, another kind of overrun effect here. ⁓ it's also a draw spell. Return of the wild speaker. So it's modal, right? I can either Draw cards equal to the greatest power I control, of non human that is, or non human creatures I control get plus three, plus three until end of turn. So more kind of overrun effects. ⁓ Hunter's Insight. I love Hunter's Insight. Draw cards equal to the, you know, the power. ⁓ it's it's amazing. It's good in your deck. It is for sure. Yep. ⁓ I got it's green. I got the classic catch all. I got Beast Within. ⁓ I got heroic intervention to save my beautiful board. best green card I've always Why is it not a game changer? Don't put that into the world. That's right. ⁓ and then I got Bloodscent. ⁓ it's basically a allure effect. ⁓ all creatures able to block target creature this turn do so. So does a couple things. One, ⁓ if I give my creature death touch, ⁓ that they're forced to block, I can kind of single board wipe I can basically do a one sided board wipe on them and also it helps get my other creatures through to deal damage to their face. So it's it all star. All star in the deck. Let's see. Let's go to enchantments. ⁓ more removal here. I got ⁓ Canaris Transformation. ⁓ love that card. I got Path of Discovery. ⁓ says whenever a creature I control enters, it explores. ⁓ for those of you that don't know, explore is reveal the top card of your library, put that card into your hand if it's a land. Otherwise, put a plus one plus one count on the creature, then put that card back or put it into my graveyard. So disgusting on this deck. All those tokens I'm making, I can either, you know, put a plus one plus one counter, put it in my graveyard, or just put it straight into my hand. ⁓ it's just helps me kind of churn through my deck and keep the value going. ⁓ let's see. Okay, so stuff to help me fill my graveyard. I have crawling sensation and crawling infestation. ⁓ it's basically at the beginning of my upkeep, I mill two cards, and then whenever one or more creature cards are put into my graveyard. From anywhere. I can put make a one one green insect creature token. This ability only triggers once each turn. So and then the other one is so so one of them if a creature, one of them is if it's a land. So my land count is pretty high. I have 37 lands, my creature count's pretty high. I have 27 creatures, so the odds are forever in my favor. Plus, it's just filling my crypto. ⁓ again, I have lure. Suck everything up into a death touch creature of mine. Get my other creatures through. ⁓ I have Beastmaster Ascension. It's the same thing if I have ⁓ what is it, seven? if I let's see, whenever a creature you control attacks, I can put a quest counter on that. And then if ⁓ Beastmaster Ascension has seven or more counters on that, creatures I control get plus five, plus five. So if I have seven tokens and I attack with all seven tokens, they all get plus five, plus five. Pretty nasty. ⁓ okay. ⁓ some tech here. I got Perilous Fouriers. ⁓ so it's an enchantment that says pay one, sacrifice a creature, search your library for a land card with a basic land type and put that into play tapped. So ⁓ I believe there is a combo here with enduring vitality. If I can make my tokens have tapped out of mana, I basically ⁓ and I think I I need Scoot Swarm out there too, but I can basically get all my basic lands onto the battlefield, which is awesome. ⁓ some all stars here, and probably the jankiest card I've ever seen in Magic is Verdant Succession. ⁓ it's a card that really only works in this deck and I think maybe one other deck that I've kind of seen and tinkered with, but ⁓ says whenever a green non token creature is put into a graveyard from play, that creature's controller may search his or her library. For a card with the same name as that creature and put it into play. If that player does, he or she shuffles it. So basically what happens is with my commander out there, my commander says if a c insect dies, I can choose to put it on the bottom of my library and mill two cards. So let's say I have a sack outlet, I can sack my creature, put choose to put Zass abilities first, put it onto the bottom, and then search my library for the card with the same name, which it'll have be the same name. And I can basically put it right back into play. So Verdant Succession and Greater Good is disgusting. I can just essentially loop through my entire deck, fill my whole graveyard, and Yeah, it's ⁓ wait, that's how you won last game. Yeah, yeah. Yeah. So basically last last game that I won with it, I was able to I had a three power creature and I had the verdant succession and I had greater good out there. And basically I sack I sacked ⁓ the three power creature and so I I I, you know, put it on my bot bottom of my library, I milled two cards, and then I put it right back into play, and then I drew three, discarded three, and I just did that over and over and over again until I found an overrun. And then I what is this, an overrun deck? I overrun people. So that's basically it. ⁓ quickly we'll go into three artifacts. I got Swift Flip Boots It's just haste for some of those big guys and it protects my commander. I got lightning greaves. ⁓ again, haste for my big creatures ⁓ and protection for my commander. And I got Ashnods Altar. ⁓ to make more mana. you know? ⁓ I would say there's not if this is not a super pip heavy deck, so there's a lot of colorless in the Cast of Goss. So I make those tokens, I sack those Ashnods Altar. And you know, I I can essentially f for whatever green mana have, I can play creatures from a graveyard. So that's pretty awesome. I have Ren and Seven for my planeswalker. ⁓ it's got some nice abilities. You know, reveal the top four cards of your library, put all land cards from those into your hand and then the rest into your graveyard. Same thing, fill my graveyard. It's kinda it's zero ability is I can just put those any land cards from my hand into play tapped. It's just Churning through my deck, it's it's ramp. ⁓ that's basically all I get it too. But and it's kind of a newer ad to the deck, but ⁓ the other thing is I have 37 lands, last but not least. I'll let's keep it short. I I only have five non-basic lands. I got Relicor Tower to keep those big hand sizes. I got Blast Zone. It's just kind of nice to catch some things with that. I got blighted woodland 'cause I need more ramp. ⁓ I have buried ruin. Buried Rune is actually nice 'cause if I do mill one of those three artifacts, since I can play lands with Zask from my graveyard, I can just return that to play and just sack it to ⁓ to grab that, you know, artifact. And then, you know, your boy, it wouldn't be a a deck without strip mine. So You're the only one in the playgroup that plays those, but And then I just have, you know, ⁓ you know, I just got, you know. thirty two thirty two basic force. So that's it my man. That is it. ⁓ and I guess just for a little blingy, just to show off, ⁓ Magicon Vegas was able to pick up an insect metal token. So yeah. Which is sweet. Which is pretty sweet. So that's my deck, dude. Long winded, but lot to get through. And I mean I love talking about my deck, And I I love your insect deck. It's it's your deck, but you have built a very strong, consistent deck that you enjoy playing. ⁓ I do. I do. I think it's kinda one that I I grab when I just need a deck that is ⁓ gonna get me by, you know? I just need a a decent game, don't need to win, but it's gonna it's gonna perform and yeah. So yeah, yeah, so that's kind of the idea, right? Is we just wanna kinda highlight some of our decks that we're really proud of. We love talking about our decks. ⁓ you know, they're they're kind of like our children, our babies. I mean, we we have babies, but ⁓ they're they're like another form of our babies, you know. We we put time and effort and energy and sweat, blood, sweat and tears into and you know, we shape them, we mold them, you know, and they change by by what they've been through. So they they are kinda like children. And with Father's Day coming up. I was gonna say it's Friday and ⁓ you know, Sunday's Father's Day. So happy Father's Day man. Happy Father's Day to you. Happy Father's Day to all of our listeners and viewers as well. Yeah, and happy Father's Day to our pod, all the dads and our pods. That's right. Yeah, we love you guys. Thanks for listening and ⁓ Hope you had some fun ⁓ listening and watching And ⁓ catch you on the next one. ⁓ That's Top Therapy. That's Top Deck Therapy.