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The American Speech–Language–Hearing Association (ASHA) is a professional association for speech–language pathologists, audiologists, and speech, language, and hearing scientists in the United States and internationally. The association reported over 234,000 members and affiliates in its 2023 report.
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An automated clearing house (ACH) is a computer-based electronic network for processing transactions, [1] usually domestic low value payments, between participating financial institutions. It may support both credit transfers and direct debits .
ABA RTNs are only for use in payment transactions within the United States. They are used on paper check, wire transfers, and ACH transactions. On a paper check, the ABA RTN is usually the middle set of nine numbers printed at the bottom of the check. Domestic transfers that use the ABA RTN will usually be returned to the paying bank.
RMA/RGA comes before the customer permanently relinquishes ownership of the product to the manufacturer, commonly referred to as a return. A return is costly for the vendor and inconvenient for the customer; any return that can be prevented benefits both parties. Returned merchandise requires management by the manufacturer after the return.