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
27,790
# of Listings
2
Avg # of Bedrooms
$618
Avg. $ / Sq.Ft.
$1,351,709
Med. List Price

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

7912 Properties Found. Page 273 of 528.

Completely remodeled house with 4 bedrooms and 3 bathrooms , a room with a bathroom that can be used as an income or in -law quaters. It has all new PVC plumbing, impact-resistant doors and windows, floors, bathrooms, and kitchen. You should see this property.
#A11992678

Miami

17860 SW 110th Ct

4 Beds

3 Baths

1,690 Sq.Ft.

$669,900

MLS#: A11992678

Midblock # 1113 is a money making Ultra-Modern 2 Bed/2 Bath located in the heart of Midtown! Midblock is the only building that allows legal short term rental via AIRBNB / VRBO and comparable in Midtown. Unit 1113 features 10 Feet high ceilings, 1,111 Sq Ft of living areas, granite countertops, custom made closets, full size washer & dryer in the unit, assigned parking and a magnificent location with ground level retail/restaurants: Entertainment, dining and shopping within reach plus easy access to mayor highways and public transit. Great building amenities include: Rooftop pool, fitness center, mini golf, BBQ and pet-friendly policy. Income statements available. Call listing agent for showings and information. Request showings with 24 hour notice.
#A11963559

Miami

3250 NE 1st Ave 1113

2 Beds

2 Baths

1,111 Sq.Ft.

$669,750

MLS#: A11963559

Price reduced
Stunning 4-bedroom, 2.5-bath townhouse in the highly sought-after Doral area! This beautifully maintained home features a modern open-concept layout, seamlessly connecting the kitchen, dining, and living spaces—perfect for entertaining and everyday living. The spacious floor plan includes a 1-car garage and well-appointed bedrooms with plenty of natural light throughout.
Ideally located near top-rated schools, parks, shopping centers, dining, and major highways, this property offers both comfort and convenience in one of South Florida’s most desirable communities.
A fantastic opportunity for buyers seeking space, style, and location—don’t miss out!
#A11991001

Doral

7809 NW 114th Path

4 Beds

2 Baths

1,894 Sq.Ft.

$669,500

MLS#: A11991001

Discover paradise living in this meticulously renovated 3/2 single-family oasis nestled in Hollywood's sought-after Lakeview Estates! Enjoy vaulted ceilings and abundant natural light in an open floor plan. Your private ocean access canal provides tranquility and exclusive waterfront views, with the added luxury of docking your own boat right in your backyard for the ultimate South Florida lifestyle. Bathrooms feature floor-to-ceiling tiles and glass enclosures. The stunning open-concept kitchen features quartz countertops and top-of-the-line appliances, perfect for everyday living and entertaining. Impact windows and doors have been newly installed throughout, enhancing safety and significantly reducing insurance costs. Step outside to a beautifully enhanced exterior featuring newly added astro turf and paver walkways along the sides of the home and around the shed area, creating clean, low-maintenance spaces perfect for storage access and everyday convenience. Experience modern comfort and style in every corner. A rare opportunity to own a move-in-ready waterfront home that truly captures the best of South Florida living!
#A11998315

Hollywood

3043 Hayes Street

3 Beds

2 Baths

1,445 Sq.Ft.

$669,000

MLS#: A11998315

Hidden Bay Condo in the best centrally located street of Aventura with breathtaking views of the Bay, City ,Golf Course and Ocean. Gated Community. 2 Bedrooms 2.5 bathrooms 1,610 Sq. Ft. under Air. Spacious split Bedrooms floor plan ,three balconies ,marble and tile flooring, Washer and Dryer inside the unit. Walking Distance to world class shopping at Aventura Mall, Supermarket, best Parks and Houses of worship. 5 minute Drive to the Beach This Unit has 2 assigned covered parking spaces and a storage unit . Resort Style amenities , newly renovated Gym and Spa, Private Marina, 4 Tennis courts, 2 pools, BBQ area , Party and Game room ,Valet Parking. SPECIAL ASSESMENT TO BE PAID IN FULL BY SELLER AT CLOSING!!!!
#A11921603

Aventura

3370 Hidden Bay Dr 1914

2 Beds

2 Baths

1,610 Sq.Ft.

$669,000

MLS#: A11921603

Exceptional Duplex Investment Opportunity – Strong Rental Income Potential! Welcome to this well-maintained duplex offering immediate income potential in a desirable location. Situated on a spacious corner lot, this property features two large 3-bedroom, 2-bath units, each with private outdoor space and excellent long-term rental appeal. Both units are currently tenant-occupied on a month-to-month basis, providing flexibility for investors or owner-occupants.

5844 Pierce St offers a bright and inviting layout with a spacious living room and large eat-in kitchen featuring granite countertops, pantry, and ample cabinet space. Tile flooring runs throughout the home, while one of the bedrooms includes an oversized closet for extra storage. Additional highlights include an open front porch, in-unit washer and dryer, hurricane shutters, and parking for two vehicles. Residents also enjoy a private backyard.

5846 Pierce St is a spacious and freshly painted 3-bedroom, 2-bath unit featuring all tile flooring, an open kitchen with pass-through and bar stool seating, sleek black countertops paired with white cabinetry, and central A/C. This clean, move-in-ready unit also includes hurricane shutters, in-unit washer and dryer, a storage unit, and its own private backyard, plus parking for two vehicles.
#A12025516

Hollywood

5844-5846 Pierce St

None Beds

None Baths

2,879 Sq.Ft.

$669,000

MLS#: A12025516

Only steps away from  shops Bars and restaurants in Mary Brickell Village and Brickell City Center Mall.  Residences come completely finished. European style kitchens. Ample closet space. Amazing views. In the heart of Brickell walking distance to everything Miami has to offer. 

Beautiful & Modern 2-bedroom 2-bathroom unit in the heart of Brickell, stunning views of the city, open kitchen layout with with quartz kitchen countertop and backsplash. Luxury amenities including gym, BBQ , children playroom & playground pool spa, game/lounge room, etc .washer & dryer in unit .Includes 1 assigned parking spot. Can be rented 12 months .
#A11955391

Miami

999 SW 1st Ave 2302

2 Beds

2 Baths

1,118 Sq.Ft.

$669,000

MLS#: A11955391

Live the Williams Island lifestyle in this move-in-ready 3-bedroom, 2-bath residence featuring spectacular water and city views from sunrise to sunset. Enjoy ocean views to the east and panoramic Biscayne Bay and skyline views to the west from the desirable Floor Plan E with dual balconies.

The updated kitchen features granite countertops, stainless steel appliances, and cherry wood cabinetry. Furnishings by Addison House are negotiable.

Williams Island $980 monthly membership fee inclused unparalleled resort-style experience with pools, fitness center, tennis facilities, spa, marina, restaurants, clubhouse, concierge services, and 24-hour security.
#A12036110

Aventura

1000 W Island Blvd 2307

3 Beds

2 Baths

1,520 Sq.Ft.

$669,000

MLS#: A12036110

This charming and spacious two-bedroom, two-bathroom condominium unit is available for sale at Brickell Place II. This exceptional residence offers unobstructed, permanent views of Biscayne Bay from an enclosed balcony, ensuring that your relaxing scenery will never be impacted by future construction.
The unit is well-appointed with a pass-through kitchen window, stainless steel appliances, and a complete set of accordion hurricane shutters for your peace of mind. Additionally, the property includes a dedicated covered parking space.
Residents of Brickell Place II enjoy access to a variety of resort-style amenities, including:
Six tennis courts and pickleball facilities, swimming pool, spa, and exercise room, children’s playroom and playground, bayside barbecue area and on-site marina facilities among others.
The building is ideally situated within walking distance of the Brickell Business District and Mary Brickell Village, offering a convenient location with easy access to all major highways.
If you would like to schedule a private showing or if you have any questions regarding this property, please feel free to reach out for more details.
#A12029855

Miami

1925 Brickell Ave D610

2 Beds

2 Baths

1,316 Sq.Ft.

$669,000

MLS#: A12029855

JUST REDUCED! Incredible views from the moment you walk into this 28th-floor residence at 1000 Williams Island. This is a flow-through unit, which means you get tons of natural light and can see the Ocean, the Intracoastal, and the city skyline from your balconies.

The layout is very spacious, featuring floor-to-ceiling windows and plenty of room for entertaining. The primary suite is a great size with a large bathroom and walk-in closets.

What really sets this apart is the Williams Island lifestyle. It feels like living in a private resort with a massive spa, 16 tennis courts, pickleball, a private marina, and multiple restaurants right on the grounds. It’s a very quiet, gated community, but you’re still just minutes from Aventura Mall and the beach. Easy to show and ready for a new owner to make it their own!
#A11940847

Aventura

1000 W Island Blvd 2806

3 Beds

2 Baths

1,520 Sq.Ft.

$669,000

MLS#: A11940847

OPEN HOUSE: SATURDAY, JUNE 27th! 

Beautifully renovated single-family home featuring a modern open-concept layout and high-end finishes throughout. The home includes generously sized bedrooms, updated bathrooms with contemporary finishes, and a functional layout designed for comfortable living. Step outside to your private backyard with a large pool, ideal for relaxing or hosting gatherings year-round.

Located in a rapidly growing area due to its close proximity to Hard Rock, this property offers excellent access to major expressways, shopping malls, dining, and entertainment. Whether you’re looking for a primary residence or an investment opportunity, this home offers both lifestyle and long-term value.

FHA APPROVED
ELIGIBLE FOR FHA FINANCING, MAKING HOMEOWNERSHIP MORE ACCESSIBLE WITH FLEXIBLE FINANCING OPTIONS FOR QUALIFIED BUYERS.

PREFERRED LENDER BENEFITS
WORK WITH OUR PREFERRED LENDER TO TAKE ADVANTAGE OF COMPETITIVE MORTGAGE RATES AND POTENTIAL LENDER CREDITS TOWARD CLOSING COSTS, HELPING MAKE YOUR PURCHASE MORE AFFORDABLE. TERMS AND ELIGIBILITY APPLY.
#A11990795

Miami Gardens

3960 NW 174th St

5 Beds

2 Baths

1,718 Sq.Ft.

$669,000

MLS#: A11990795

The Pietra is a wonderful two-story option with four bedrooms and three bathrooms. This expansive home offers two ways to enter, either through the front-facing covered entryway or secure two-car garage. The entry foyer runs adjacent to a large, high-ceilinged dining room perfect for formal entertaining. Past this is a large, open-plan kitchen, breakfast area & great room that invites the family to cook, eat & relax together while staying connected. Just off the breakfast area is a covered terrace with enough space to entertain in style. A first-floor bedroom and full bath create an ideal accommodation for guests. Carpet Upstairs, 3 bedrooms and 2 bathrooms multiple walk-in closets offer plenty of living space for kids/visitors and master room with walking closet and luxury bathroom.
#A12031169

Royal Palm Beach

3265 Dunning Dr

4 Beds

3 Baths

2,259 Sq.Ft.

$669,000

MLS#: A12031169

Great opportunity for investors or owner occupants. This property has 3 units; each has 2 bedrooms and 2 bathrooms. All appliances, including washers and dryers in each unit. All AC unit have been replaced within the last 6 years. Flat roof was replaced in 2023. All units are occupied with long term tenants who always pay on time. Each tenant pays their own electric. The property is located in a very desirable rental area and "Qualified Opportunity Zone".
#A12034248

North Lauderdale

7870 SW 10th Ct

None Beds

None Baths

2,880 Sq.Ft.

$669,000

MLS#: A12034248

Price reduced
Wake up to the sound of the waves in this stunning 2BD/2BA oceanfront residence at The Sterling, one of Miami Beach's most sought-after direct oceanfront buildings in North Beach! This residence offers an expansive private terrace accessible from both the living room and both bedrooms — ideal for alfresco dining or soaking in the Atlantic breeze and ocean views. Spanning almost 1200 sqft, this condo features an open-concept layout, generous natural light throughout, and conciously priced for buyer to design their own masterpiece. The primary suite offers direct terrace access, creating a seamless indoor-outdoor lifestyle that is the hallmark of true Miami Beach living.
The Sterling is a full-service community featuring 24-hour concierge, valet parking for residents and guests, fitness center, and resort-style pool — all steps from the sand. Ideally situated in the vibrant North Beach neighborhood, you are within easy walking distance of acclaimed dining, boutique shopping, and entertainment venues, with world-famous South Beach or Bal Harbour just minutes away. The neighborhood is also home to the emerging Town Center, which will house the future Byron Carlyle Multicultural Center, the 72nd St Civic Center, and the Miami Beach Tennis Center — making this one of Miami Beach's most exciting and walkable communities. A rare opportunity to own a piece of paradise at an exceptional value. Schedule your private showing today.
#A11975228

Miami Beach

6767 Collins Ave 706

2 Beds

2 Baths

1,190 Sq.Ft.

$669,000

MLS#: A11975228

Spacious and bright corner townhouse 2 stories with 3 bedrooms, 3 full bathrooms + an additional space that can be converted into a 4th bedroom, office, or guest area in the first floor.
You’re going to LOVE THIS HOME… and here’s why this townhouse in Miami Gardens is getting so much attention: 1) LOCATION: Quick access to I-75, making it easy to move around the city. Close to shopping centers, Publix, restaurants, and schools. Built 2016.
2) PRIVACY: As a corner unit, you’ll enjoy extra natural light and only one neighboring wall.
3) VERSATILITY: In addition to the 3 bedrooms and 3 full bathrooms, the first-floor flex space offers endless possibilities for your lifestyle.
4) COMFORT: Move-in ready with upgraded laminated flooring, renovated bathrooms, a 1-car garage, and an extended driveway that fits up to 3–4 vehicles.
ENJOY resort-style community amenities including a pool, fitness center, clubhouse, party room, game room, and children’s playground.
And now… the feature that truly makes this home special: A beautiful lake view the perfect space to relax or entertain. Easy to show. Come experience it in person… this one truly feels like HOME. SCHEDULE your private showing today before it’s gone.
#A12041327

Hialeah

3401 W 94th Ter

3 Beds

3 Baths

1,962 Sq.Ft.

$669,000

MLS#: A12041327

1 ... 271 272 273 274 275 ... 528

properties found. properties found. Page of .

 - property

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.