One of the most popular communities provided by {{page_data.agentName}}

The Most Exclusive Country Club Communities in South Florida

One of the most popular communities provided by Perfect Properties of Florida Real Estate

The Most Exclusive Country Club Communities in South Florida

About The Most Exclusive Country Club Communities in South Florida

Ultra-Luxury Golf and Country Club Living from Key Largo to Jupiter

South Florida is home to some of the most prestigious and exclusive country club communities in the United States. From private island golf enclaves in Miami to world-class golf estates in Boca Raton, Palm Beach Gardens, and Jupiter, these communities offer a lifestyle defined by luxury, privacy, championship golf, and extraordinary amenities.

Luxury country club communities throughout South Florida attract buyers seeking gated security, resort-style amenities, waterfront estates, marina access, and elite private club memberships. Many of these communities feature estate homes valued from several million dollars to well over $50 million, making them some of the most desirable residential environments in the country.

Whether a buyer is searching for championship golf, deepwater boating access, private beaches, or an active social club environment, South Florida offers a remarkable collection of luxury country club communities that combine lifestyle and real estate investment.

Below is a comprehensive guide to the most exclusive country club communities in South Florida, spanning from Key Largo through Miami, Boca Raton, Palm Beach Gardens, and Jupiter.

Luxury Country Club Communities in Miami and the Florida Keys

Indian Creek Country Club

Indian Creek Island, Miami

Indian Creek Country Club is widely regarded as one of the most exclusive residential communities in the world. Located on a private island in Miami, the community contains approximately forty estate homes surrounding a championship golf course.

The island is accessible only by a guarded bridge and maintains its own private police department, providing an exceptional level of privacy and security.

Community Highlights

Private island community with extremely limited homes

Championship golf course occupying most of the island

Private security and police department

Waterfront estate properties with large lots

Luxury Real Estate

Indian Creek homes are among the most valuable in South Florida, with properties frequently selling for $30 million to more than $100 million.

Lifestyle

Residents enjoy extraordinary privacy while remaining minutes from Bal Harbour Shops, Miami Beach, and world-class dining.

Fisher Island Club

Miami Beach

Fisher Island Club is one of the most prestigious private club communities in South Florida. Accessible only by ferry, yacht, or helicopter, the island provides a secluded luxury lifestyle just minutes from Miami Beach.

Community Highlights

Private island access

Championship golf course

Private beach club

Luxury marina and yacht facilities

World-class tennis center

Spa and wellness facilities

Luxury Real Estate

Luxury condominiums and waterfront residences typically range from $3 million to over $40 million.

Lifestyle

Residents enjoy a resort-style lifestyle with concierge services, private beaches, and exceptional amenities.

Ocean Reef Club

Key Largo

Ocean Reef Club is one of the most unique private club communities in the United States. Located in Key Largo, the community spans over 2,500 acres and offers a fully private lifestyle centered around golf, boating, and social experiences.

Community Highlights

Two championship golf courses

Private airport

Deepwater marina

Private beach club

Multiple restaurants and social venues

Tennis and fitness facilities

Luxury Real Estate

Ocean Reef homes typically range from $3 million to more than $20 million depending on waterfront access and location.

Lifestyle

Residents enjoy a private resort environment featuring boating, fishing, golf, and a vibrant social club atmosphere.

Exclusive Country Club Communities in Boca Raton and Delray Beach

Royal Palm Yacht & Country Club

Boca Raton

Royal Palm Yacht & Country Club is one of Boca Raton’s most prestigious residential communities, combining luxury golf living with deepwater yacht access.

Community Highlights

Jack Nicklaus signature golf course

Private yacht basin marina

Luxury clubhouse

Deepwater dockage for large vessels

Luxury Real Estate

Luxury estates typically range from $5 million to more than $40 million.

Lifestyle

Residents enjoy a prestigious Boca Raton address just minutes from beaches, Mizner Park, and luxury shopping.

St Andrews Country Club

Boca Raton

St Andrews Country Club is widely considered one of the premier private club communities in Boca Raton.

Community Highlights

36 holes of championship golf

Luxury clubhouse and spa

Extensive tennis facilities

Fine dining and social events

Luxury Real Estate

Homes typically range from $2 million to $15 million.

Addison Reserve Country Club

Delray Beach

Addison Reserve is one of the most respected private country club communities in South Florida and has received numerous national awards for its amenities and service.

Community Highlights

27 holes of championship golf

Luxury clubhouse and spa

Tennis complex and fitness center

Luxury Real Estate

Homes typically range from $1.5 million to $8 million.

Boca West Country Club

Boca Raton

Boca West Country Club is one of the largest and most well-known private club communities in South Florida.

Community Highlights

Four championship golf courses

Massive clubhouse and spa

Extensive tennis and fitness facilities

Luxury Real Estate

Homes range from approximately $700,000 to over $6 million.

Broken Sound Club

Boca Raton

Broken Sound Club is known for its active luxury lifestyle and high-end amenities.

Community Highlights

Two championship golf courses

Luxury clubhouse and wellness facilities

Tennis and pickleball center

Luxury Real Estate

Homes typically range from $1 million to $5 million.

Luxury Golf Communities in Palm Beach Gardens

Old Palm Golf Club

Palm Beach Gardens

Old Palm Golf Club is one of the most luxurious golf communities in Palm Beach County and is known for its concierge-level service and world-class practice facilities.

Community Highlights

Raymond Floyd designed golf course

Luxury clubhouse and spa

State-of-the-art practice facilities

Luxury Real Estate

Homes typically range from $4 million to $20 million.

Frenchman’s Creek Beach & Country Club

Palm Beach Gardens

Frenchman’s Creek is unique because it offers both a private golf club and a private beach club.

Community Highlights

Two championship golf courses

Private beach club

Luxury clubhouse

Tennis and wellness facilities

Luxury Real Estate

Homes typically range from $2 million to $10 million.

Mirasol Country Club

Palm Beach Gardens

Mirasol Country Club is one of the most desirable golf communities in Palm Beach Gardens.

Community Highlights

Two championship golf courses

Luxury clubhouse and spa

Tennis and fitness complex

Luxury Real Estate

Homes typically range from $1.5 million to $7 million.

BallenIsles Country Club

Palm Beach Gardens

BallenIsles is a well-established luxury club community with a rich golf tradition.

Community Highlights

Three championship golf courses

Luxury clubhouse and spa

Extensive tennis facilities

Luxury Real Estate

Homes typically range from $1 million to $6 million.

Exclusive Golf Communities in Jupiter

The Bear’s Club

Jupiter

Founded by golf legend Jack Nicklaus, The Bear’s Club is one of the most prestigious golf communities in the United States.

Community Highlights

Jack Nicklaus signature golf course

Ultra-private membership

Luxury clubhouse

Large estate homes

Luxury Real Estate

Homes often range from $10 million to $30 million.

Admirals Cove

Jupiter

Admirals Cove is one of Jupiter’s most desirable luxury communities.

Community Highlights

45 holes of championship golf

Private marina

Luxury waterfront estates

Jupiter Hills Club

Tequesta

Jupiter Hills Club is one of the most respected private golf clubs in Florida.

Community Highlights

Two championship golf courses

Extremely private membership

Classic clubhouse

The Loxahatchee Club

Jupiter

The Loxahatchee Club is a boutique golf community centered around a Jack Nicklaus Signature golf course.

Jonathan’s Landing

Jupiter

Jonathan’s Landing is one of Jupiter’s most established private club communities.

Jupiter Country Club

Jupiter

Jupiter Country Club is a luxury golf community built around a Greg Norman signature golf course.

Why Buyers Choose Country Club Communities in South Florida

Luxury country club communities offer far more than golf.

Privacy and Security

Most communities feature gated access and private security.

Championship Golf

Many courses were designed by legendary architects including Jack Nicklaus, Tom Fazio, Greg Norman, and Raymond Floyd.

Resort-Style Amenities

Luxury clubhouses, spas, fitness centers, tennis facilities, and fine dining create a full resort lifestyle.

Waterfront Living

Several communities combine golf with deepwater marina access.

Strong Property Values

Limited inventory and strong demand support long-term property appreciation.

Frequently Asked Questions About Luxury Country Club Communities

What are the most exclusive country club communities in South Florida?

Some of the most exclusive communities include Indian Creek Country Club, Fisher Island Club, Ocean Reef Club, The Bear’s Club, Royal Palm Yacht & Country Club, Sailfish Point, Jupiter Hills Club, and Old Palm Golf Club.

Which South Florida communities offer golf and boating?

Admirals Cove, Sailfish Point, Ocean Reef Club, Fisher Island, and Royal Palm Yacht & Country Club offer both golf and marina access.

What are the most prestigious country club communities in Palm Beach County?

The Bear’s Club, Old Palm Golf Club, Admirals Cove, Frenchman’s Creek, Loxahatchee Club, Mirasol, and BallenIsles are among the most prestigious.

Explore Luxury Country Club Homes in South Florida

South Florida’s luxury country club communities offer some of the most prestigious residential environments in the United States.

From the ultra-exclusive estates of Indian Creek and Fisher Island to the legendary golf communities of Palm Beach Gardens and Jupiter, South Florida offers extraordinary options for buyers seeking private club lifestyles.

Working with an experienced South Florida luxury broker can help buyers navigate club memberships, community culture, and real estate opportunities that are often not publicly marketed.

One of the most popular communities provided by Perfect Properties of Florida Real Estate
27,508
# of Listings
2
Avg # of Bedrooms
$557
Avg. $ / Sq.Ft.
$1,328,697
Med. List Price

Browse The Most Exclusive Country Club Communities in South Florida Real Estate Listings

8054 Properties Found. Page 373 of 537.

The ocean views from this 3rd-floor condo will melt your stresses and take your breath away. An airy living room welcomes the sunshine to create a scenic space beyond compare. Both bedrooms also enjoy the sights & sounds of the beach. The balcony will become your haven with views of paradise. Views of the inlet from your kitchen. Storage is abundant; a walk-in closet awaits your snorkel gear. Ocean Trail offers a unique resort lifestyle with pristine shores next to the inlet. Enjoy fitness, tennis, pools, grills, sauna, hot tub, social rooms, trails, garage parking, & staffed gate & lobby. The ideal residence for relaxing & entertaining. Close to a resort/spa, 2 theatre's, mini golf, boat storage, 9-hole golf course, salons, shops & restaurants.
#A12084663

Jupiter

400 Ocean Trail Way 302

2 Beds

2 Baths

1,170 Sq.Ft.

$599,000

MLS#: A12084663

Luxury Living at The Elliott Residences! Own a fully furnished studio with breathtaking ocean and intracoastal views on Fort Lauderdale Beach. This condo-hotel offers resort-style living with the option to join the hotel program, making it a prime investment opportunity. Enjoy world-class amenities, including a full-service spa, fitness center, oceanfront pool, beach service, bike rentals, 24/7 valet, and daily housekeeping. All utilities, Wi-Fi, and cable are included. Steps from top dining, shopping, and nightlife, with easy access to Las Olas Boulevard and FLL Airport. Live the beachfront lifestyle or generate passive income—your perfect escape awaits!
#A11967222

Fort Lauderdale

551 N Fort Lauderdale Beach Blvd H1715

None Beds

1 Baths

451 Sq.Ft.

$599,000

MLS#: A11967222

One of the most beautiful homes in the area & truly move in ready! This renovated Mid Century Modern home offers a rare combination of generous living space, major improvements & secure parking for an RV, boat, trailer or work vehicles. The split floor plan features terrazzo floors, full impact windows & doors, an open kitchen w/ granite counters & an electric stone surround fireplace. The air conditioned garage provides valuable flex space for a gym, office, playroom or workshop, bringing the usable interior closer to 1,852 sq ft. Buyer to verify. Contractor owned & thoughtfully improved w/ a 2017 roof, updated electrical panel, three independent AC systems, insulated plumbing, WiFi controlled well irrigation, reinforced attic improvements & a heavy duty concrete driveway. AVG ELECTRIC BILLS REPORTED TO BE APPROX $85 to $135/mth. Outside, enjoy a fully fenced, pool ready yard w/ mature mango, avocado, peach & guava trees. An ELECTRIC REAR GATE & alley access provide hard to find secure storage for oversized vehicles, trailers or for your storage needs. Walk to Hallandale Beach’s new community center & enjoy optional park membership w/ gym, tennis courts & playgrounds for approximately $11 per month. Few competing homes offer this much space, flexibility, parking & completed improvements at this price.
#A12023779

Hallandale Beach

709 NW 9th Ct

3 Beds

2 Baths

1,544 Sq.Ft.

$599,000

MLS#: A12023779

Experience Tulum-inspired style in the heart of Miami Beach. This beautifully remodeled 2-bedroom, 2-bath residence offers 1,326 square feet of bright, spacious living, a private balcony, and sweeping views of the water and Miami skyline.

Designed with warmth, texture, and a relaxed resort-inspired aesthetic, the home features a desirable split-bedroom floor plan, generous room sizes, multiple closets offering excellent storage, impact windows and doors, an in-unit washer and dryer, and one assigned parking space.

Step outside onto the private balcony and enjoy expansive water views, Miami skyline views, and beautiful sunsets that transform the space throughout the day and into the evening.

The residence has been thoughtfully remodeled throughout, creating a distinctive home that feels elevated yet comfortable, with a layout that is both functional and ideal for everyday living or entertaining.

Residents enjoy a fitness center and a swimming pool currently undergoing renovations and nearing completion. Located in the heart of North Beach, the residence is just a few blocks from the ocean and close to Publix, restaurants, shops, parks, and neighborhood conveniences.

With its generous proportions, abundant storage, private balcony, striking water and skyline views, and distinctive design, this residence offers a compelling combination of style, comfort, and Miami Beach living.
#A12085524

Miami Beach

6770 Indian Creek Dr 11E

2 Beds

2 Baths

1,326 Sq.Ft.

$599,000

MLS#: A12085524

COME AND FALL IN LOVE WITH THIS FULLY RENOVATED LUXURY HOME, FEATURING 3 BEDROOMS 3 FULL BATHROOMS, WITH TWO PRIMARY SUITES, A PRIVATE ENTRY SUITE IDEAL FOR MULTI-GENERATIONAL LIVING OR INCOME POTENTIAL. SHOWCASING POCELAIN FLOORING THROUGHOUT, A MODERN KITCHEN WITH A LARGE ISLAND AND AN OPEN CONCEPT LAYOUT DESIGNED FOR COMFORT AND STYLE. NEW ROOF, NEW A/C UNIT, IMPACT WINDOWS AND DOORS FOR ENHANCED SECURITY AND ENERGY EFFICIENCY. MOVE-IN READY AND THOUGHTFULLY DESIGNED WITH PREMIUM FINISHES, OFFERING A RARE BLEND OF FLEXIBILITY, FUNCTIONALITY WITH MODERN LIVING.FYI: "SELLER PAY CLOSING COST," BRING YOUR BUYER ASAP.
#A11985300

Miami

666 NE 164th Ter

3 Beds

3 Baths

1,238 Sq.Ft.

$599,000

MLS#: A11985300

This charming 4-bedroom, 2-bathroom home at 38 Miami Gardens Rd in West Park, Florida, offers a perfect blend of comfort and convenience. Nestled near major highways like the Florida Turnpike and I-95, this property provides easy access to Miami and Fort Lauderdale airports. The spacious living area is ideal for relaxation and entertaining, complemented by a well-maintained kitchen. Outside, a sparkling pool with a surrounding fence ensures safety, and a shed in the backyard provides additional storage. The home comes fully furnished with all appliances included. Located just a 15-minute drive from Hard Rock Stadium, it offers suburban tranquility with urban accessibility.
#A11989423

West Park

38 Miami Gardens Rd

4 Beds

2 Baths

958 Sq.Ft.

$599,000

MLS#: A11989423

Welcome to this meticulously renovated unit where modern comfort meets coastal luxury. Enjoy panoramic views of the ocean, Intracoastal, and sunset city skyline from your private balcony. High-end finishes and stylish design make this a move-in-ready retreat. Just steps from the world-famous Hollywood Beach Broadwalk—ranked a top 5 U.S. beach by TripAdvisor—offering oceanfront dining, shops, and entertainment. Ideally located between Miami and Fort Lauderdale with convenient access to airports, fine dining, shopping, and top entertainment. Whether you're searching for a vacation retreat, seasonal getaway, or a year-round tropical residence, this unit offers the perfect blend of lifestyle, location, and value.
#A11804235

Hollywood

1501 S Ocean Dr 1005

2 Beds

2 Baths

1,380 Sq.Ft.

$599,000

MLS#: A11804235

Experience breathtaking and unmatched water view from the 25th floor of this remarkable condo! Offering a generous layout with one bedroom and one-and-a-half bathrooms, this unit boasts a fully upgraded master bathroom and includes convenient amenities like a washer and dryer. Assigned parking adds to the convenience. Step out onto the expansive balcony to take in the stunning views of Biscayne Bay, accessible from the living room, kitchen, and bedroom. Located centrally, it's just a short drive to the beach and airport. Marina Blue ensures peace of mind with 24/7 security and offers a range of amenities including concierge services, two pools, a jacuzzi, and a gym. Situated mere steps away from attractions such as the Perez Art Museum, basketball stadium, Bayside Market.
#A11714579

Miami

888 Biscayne Blvd 2511

1 Beds

1 Baths

845 Sq.Ft.

$599,000

MLS#: A11714579

Beautiful 2/2 corner unit with views of the ocean and the city.  Live on the beach or use it as an income producing property, or both.  Easy to rent.  Can be used for short term rentals.  Property has many amenities including pool, gazebo, two gyms, a movie theater, convenience shop, valet, lobby check-in/security, and more.  Restaurants, malls, gulfstream, and grocery stores nearby.
Showing by appointment only.
#A11409000

Hollywood

3801 S Ocean Dr 5O

2 Beds

2 Baths

1,173 Sq.Ft.

$599,000

MLS#: A11409000

Welcome to this stunning 3-bedroom, 2-bath home with a 2-car garage, offering over 2,000 sq. ft. of comfortable living space. The home features a beautifully updated kitchen with recessed lighting, modern fixtures, and stainless steel appliances. Additional upgrades include impact windows, a whole-home water filtration system, porcelain flooring, and laminate flooring in the bedrooms. Step outside to a spacious backyard designed for Florida living and entertaining, featuring a covered patio with beautiful travertine tile that adds natural warmth while staying cool under the sun. Enjoy added peace of mind with a roof and A/C system that are only 4 years old, plus a UV light system in the A/C. And one of the best features: NO HOA! Conveniently located near great schools, major roadways, restaurants, shopping, and everyday conveniences. Furniture is also available for sale.
A spacious, updated South Florida home with the freedom of no HOA—come see everything this property has to offer!
#A12077870

Lauderhill

8541 NW 54th St

3 Beds

2 Baths

1,693 Sq.Ft.

$599,000

MLS#: A12077870

Attention investor buyers! Sleek, contemporary furnished 2BD/2BA condo at Paraiso Bayviews for sale. The property is leased until April 19th 2027 for $4,500/M.

This residence features 24x24 tile floors throughout its 944 SF of living area in a split floor plan, with in-unit washer/dryer, floor-to-ceiling windows, and private balcony with expansive sunset views. The kitchen has built-in appliances and modern finishes. The unit comes with 1 assigned parking space. 

Paraiso Bayviews residents enjoy resort-style amenities including a rooftop pool, BBQ, and jacuzzi, fitness center, outdoor tennis and basketball court, spa, club room, billiards and theater room with the lobby interiors designed by Karim Rashid. Prime Edgewater location near Miami’s vibrant Midtown, Wynwood, and Design District neighborhoods with Miami's world class dining, shopping and beaches nearby.
#A11943770

Miami

501 NE 31st St 3009

2 Beds

2 Baths

944 Sq.Ft.

$599,000

MLS#: A11943770

Price reduced
Exceptional 1-bedroom, 1.5-bath + den residence at The Bond, one of Brickell's most sought-after addresses. This bright, meticulously maintained east-facing home features an open, modern layout with porcelain floors, Bosch appliances, floor-to-ceiling impact glass, and partial water views from the private balcony. The spacious den offers exceptional flexibility, making it the perfect home office, guest room, or second bedroom. A convenient half bath adds extra functionality for guests and everyday living.
The Bond delivers resort-style amenities, including a lap pool, hot tub, BBQ cabanas, state-of-the-art fitness center, sauna and steam rooms, business center, children's playroom, 24/7 concierge, security, and valet service. Ideally located in the heart of Brickell, just steps from world-class dining, Brickell City Centre, Mary Brickell Village, luxury shopping, fitness studios, and waterfront walkways, this residence offers the perfect blend of luxury, convenience, and vibrant city living.
#A12053109

Miami

1080 Brickell Ave 1602

1 Beds

1 Baths

905 Sq.Ft.

$599,000

MLS#: A12053109

The Beach Club One Bedroom and Large DEN, where luxury meets convenience. Enjoy direct beach access and indulge in 5-star amenities, including multiple pools, a state-of-the-art fitness center with a sauna and spa, beach services, a poolside bar and café, full-time concierge, 24-hour security, and valet parking. This spacious 1-bedroom plus den offers endless possibilities, perfect as a home office, guest room, or creative space. The unit features elegant marble floors, granite countertops, stainless steel appliances, and a full-size bathroom. A washer and dryer are conveniently located inside. Included are one covered assigned parking spot and an additional free valet parking space. Ideally situated minutes from Gulfstream Park, fine dining, shopping. and more.. PLEASE 24 HOUR NOTICE TENANT OCCUPIED til April 2027 pays $3200 per month
#A12078585

Hallandale Beach

1850 S Ocean Dr 909

2 Beds

1 Baths

1,086 Sq.Ft.

$599,000

MLS#: A12078585

Beautifully maintained and move-in ready home, originally a 3-bedroom, 2-bathroom, in a desirable Miami location near the Country Walk area! This clean and well-cared-for property offers a comfortable layout with over 1,660 sq. ft., an approximately 6-year-old A/C system, a 1-car garage, screened enclosed back patio, and a separate efficiency/guest unit, providing excellent flexibility for guests, extended family, or additional income potential. The home has been meticulously maintained and shows true pride of ownership throughout. Conventional, FHA, and VA financing are welcome! A great opportunity for anyone looking for a clean, well-maintained Miami property that is ready to enjoy. Call us anytime—we pick up!
#A12080037

Miami

15421 SW 144th Ct

3 Beds

2 Baths

1,420 Sq.Ft.

$599,000

MLS#: A12080037

Welcome home to this single-family residence situated on a quiet cul-de-sac in the Lake of Avalon community. This 3-bedroom, 2-bathroom property offers 1,437 square feet of bright, welcoming living space for its new owner.  The interior flows seamlessly from the inviting living area into the kitchen which is perfect for everyday family gatherings. The primary suite has has its own private en-suite bath with an amazing lake view directly from your bedroom. Step outside to a fenced in lot that provides the ultimate outdoor living—ideal for children, pets, weekend BBQs, or your custom oasis. All appliances included in addition to Hurricane Impact shutters throughout. Enjoy the peace of mind of a quiet residential pocket while staying just minutes away from top-rated schools, churches, local parks, shopping plazas, and major commuter arteries like I-75, Turnpike and the Palmetto Expressway.
#A12064319

Hialeah

18772 NW 80th Ct

3 Beds

2 Baths

1,437 Sq.Ft.

$599,000

MLS#: A12064319

1 ... 371 372 373 374 375 ... 537

properties found. properties found. Page of .

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

I agree to receive email communication and understand I can unsubscribe at any time.

I agree to be contacted by Perfect Properties of Florida Real Estate via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Sign Out

Virtual Assistant

Would you like to take the next step with this property? We can help you schedule a showing or virtual tour, or send you more details.

Yes, I would like more information.

Thank You for Your Reply, One of Our Agents will contact you as soon as possible

No, maybe later.

Thank you, you can always contact me via email, phone number or through the contact form.

Realhub AI

Lucy - Your AI-Powered Realtor

Update Your Temporary Password

Personalize your search

Enter your email and we'll notify you immediately when new listings match what you're looking for.

or enter email address

Already have an account ? Login here

Continue your home search

I agree to receive communications and understand I can unsubscribe at any time.

I agree to be contacted by Perfect Properties of Florida Real Estate via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Already have an account ? Login here

We use cookies

We use cookies primarily for analytics to enhance your experience. By accepting, you agree to our use of these cookies. You can manage your preferences or learn more about our cookies policy.