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

Miramar beach

One of the most popular communities provided by INIT test tenant

Miramar beach

About Miramar beach

Miramar beach
One of the most popular communities provided by INIT test tenant
4,531
# of Listings
3
Avg # of Bedrooms
$493
Avg. $ / Sq.Ft.
$1,208,027
Med. List Price

Browse Miramar beach Real Estate Listings

1280 Properties Found. Page 58 of 86.

Price reduced
Fully renovated home located in Shalimar, FL just a block from public beach access! Launch your paddle boards, canoes or go fishing! This 4 bedrooms and 2 baths and has been completely updated throughout! This home features a new roof (2023), HVAC system (2024), and gas, tankless hot water system (2024). Enter the lovely foyer and notice an open floor plan with the kitchen opening to the living room and kitchen areas. The kitchen features new custom cabinetry and crown. There is custom cabinet hardware and soft close drawers! The kitchen also features a custom tiled backsplash, new gold sink faucet and new recessed lighting. The appliances were updated to include a side by side refrigerator with water and icemaker, a slide in electric stove/oven, rangehood, microwave, and dishwasher. All appliances are stainless and black. The cabinets are modern shaker style with white uppers and beautiful blue lower cabinets. There is a peninsula or breakfast bar that seats up to 4 or 5 guests! The exquisite quartz counter tops and custom wood columns and ceiling beam finishes off this gorgeous kitchen design! The kitchen opens to an eat in kitchen area that could also be a home office! There is additional custom lighting with pendant lighting over the peninsula and a custom chandelier over the eat in kitchen area! The dining room is large enough for a 10 to 12 person dining room table! This area also has large picturesque windows overlooking the fenced back yard and open deck! The living room features vaulted ceilings, recessed lighting, a new custom ceiling fan, and a gas fireplace (2025) with a mantel and white vertical shiplap wall covering! The entire home has wide plank luxury vinyl plank flooring. The primary bedroom is very large and features recessed lighting, a custom ceiling fan and an updated ensuite bathroom. The primary bathroom has a new custom tiled walk in shower, new double vanity with quartz counter tops and under mount sink, a separate water closet and a large walk in closet! The primary shower features a niche, shower bench with a quartz seat and new shower faucets! No detail was missed in this home with over $10,000 spent on custom closet systems, new hardware on doors and cabinets, mirrors, new vanity lighting and faucets in the updated bathrooms. There are three additional guest bedrooms and a fully updated guest bathroom! Finally, the interior of the home features a laundry room with a sink basin! The interior has been professionally painted with new base molding, and lighting throughout. The exterior was also updated to include all new exterior custom Colonial Grey shaker vinyl siding, new concrete circular driveway, Military Blue Bahama shutters for the front windows, a Sentricon Preventative System that is monitored, and new connection to public sewer. The homeowner also had the Ducts cleaned by NADCA certified contractor Advantaclean. There is gas available for grilling on the open deck, exterior new gutters with a leaf guard, and a oversized two car garage. The shed is adorable and perfect as a workshop or extra storage. There are two public beaches within a few blocks of this home! Buyer to verify all dimensions and information!
#977661

Shalimar

112 Meigs Drive

4 Beds

2 Baths

1,853 Sq.Ft.

$620,000

MLS#: 977661

This spacious coastal retreat on the West End of Panama City Beach offers the perfect blend of comfort, style, and convenience. Just a short walk or golf cart ride to the beach, this two-story home designed for easy beachside living.Inside you will discover new floors and a stylish kitchen featuring stainless steel appliances and granite countertops. The interior is beautifully designed with calming neutral tones that create a bright, welcoming feel throughout.  Out back, a private pool invites you to unwind or entertain friends after a day at the beach. This home's meticulous upkeep make this property truly move-in ready. A durable metal roof, installed in 2019, ensures lasting peace of mind. Call your agent now to schedule your appointment.

 Information contained within this listing such as lot dimensions, is deemed to be accurate but is not guaranteed. Buyer to verify.
#985996

Panama City Beach

204 S Wells Street

3 Beds

3 Baths

2,356 Sq.Ft.

$620,000

MLS#: 985996

Price reduced
This gorgeous and completely remodeled four-bedroom, two-bathroom ranch style home on a corner lot located in Mack Bayou Pointe is move in ready!  
This home has been updated literally from floor to ceiling with complete removal of all popcorn ceilings to all new flooring, new kitchen, new bathrooms, new lights, ceiling fans, fresh interior paint and more.  
Roof, and air conditioner were replaced in August 2023, and hot water heater was installed in July 2025.  
Upon entering this beautiful split bedroom floor plan home, you are met with the vaulted ceiling great room which contains an electric fireplace with impressive tile work.  
Boasting a large front room, which may also be used as a formal dining room or office.  
Thoughtfully designed with a centrally located kitchen, this home is fantastic for everyday living and elegantly entertaining.  
This home makes hosting large family get togethers or friends easy as you will have plenty of room to make lifelong memories.  The entire home has new wide planked flooring.     
The kitchen has stunning butcher block countertops, new stainless-steel oven/range (that vents outside), a new stainless-steel dishwasher, a new stainless-steel sink and new fixtures.  Seller is offering an allowance for a new refrigerator and microwave.  
The kitchen cabinets have been updated.  
The gleaming white subway tile backsplash adds the perfect finishing touch to this incredible kitchen.      
The large primary bedroom offers plenty of natural light, a fabulous five-piece en suite bathroom, with all new fixtures, and a spacious walk-in closet.  
On the other side of the home sits the other three generously sized bedrooms, each with large closets.  
The shared bathroom has also been thoughtfully remodeled with all new fixtures.  
Schedule your private showing today before it's gone. 
The two-car garage offers room for extra storage with the attic located above.  
This small subdivision with low HOA fees provides a community pool, dog park and flood insurance is not required.  
Recently paved Mack Bayou and bike lane is perfect for a peaceful drive or ride home!
This incredible home is minutes from the pure white sugar sands of the Emerald Coast.  
Minutes away is Sacred Heart Hospital and Grand Boulevard with grocery, fine dining, shopping and family entertainment. Sandestin's Village of Baytowne Wharf is also close to this home where more shopping, dining, fireworks, drone shows, concerts and fun family activities are regularly held. Imagine yourself in this breathtaking Emerald Coast lifestyle. 
This is Florida living at its best call today for more information and to set up your private showing.  
All information and measurements are deemed accurate but should be verified by the buyer.
#983826

Santa Rosa Beach

151 Beacon Way

4 Beds

2 Baths

2,321 Sq.Ft.

$620,000

MLS#: 983826

Beautiful, elegant, and easy to maintain, spacious 4 bedroom home nestled in the scenic wooded subdivision of Sanctuary Beach. This quality built Craftsman home has numerous custom upgrades and unique features adding to its charm and inviting atmosphere. It's in a great location within the subdivision, close to the community pool, a private neighborhood beach area and Bay access 1/4 mile from the home. This gorgeous, move in ready, custom home, with a spacious open floor plan, features white oak flooring, high ceilings and large windows allowing plenty of natural light into the home. The impressive kitchen showcases white cabinets, white marble countertops, shiplap and cedar backsplash, breakfast bar, upgraded stainless steel appliances, a ZLINE commercial grade stove featuring 6 gas burners, electric oven, range hood, and best of all, there's a hidden butler's pantry for so much extra storage. Large open dining area and living room, featuring a vaulted ceiling and 8ft French doors that open onto an oversized patio and the back yard. The main bedroom suite is conveniently located on the ground floor and boasts elegant 9ft reclaimed wood barn doors leading to the spa-like main bathroom, with marble floors, large glass shower, double vanities, a deep free standing tub, and a large walk-in closet with custom shelving. There is also a large half bath on the ground floor. Going upstairs, the stairway features custom iron-rod stair rails and wood stair treads. Upstairs you will find three additional spacious bedrooms, a second full bathroom with tiled shower/tub combo and double vanity, and a large laundry room with extra cabinets and countertops, and a window for extra natural light. All interior and exterior walls were insulated during construction, and blown-in insulation was installed above the ceilings. Paver driveway and 2 car garage for parking.
The subdivision is within close proximity to the Jack Nicklaus Golf Course, several marinas, fine dining restaurants as well as St Andrews State Park, and the beautiful beaches of the Emerald Coast. Call today to see this adorable, elegant, easy to maintain custom home in the beautiful wooded subdivision of Sanctuary Beach and see for yourself everything it has to offer for relaxed coastal living!
#967011

Panama City Beach

3511 Cottage Cove Lane

4 Beds

2 Baths

2,375 Sq.Ft.

$619,000

MLS#: 967011

This gorgeous home, built in 2018, offers modern design, spacious living, and custom upgrades throughout. 4 bedrooms plus a den, 3 bathrooms, and a 2-car garage, this beautifully crafted residence provides 2,443 sq ft under A/C with an open floor plan that feels bright, airy.The owner's suite has been completely updated and showcases NEW dual vanities, an enormous custom walk-in shower, quartz countertops, upgraded cabinetry, and fresh tile flooring--a true spa-like retreat.The chef's kitchen impresses with premium quartz countertops, upscale gourmet appliances, specialized cabinet pull-outs, a custom oversized island, and a large walk-in pantry--perfect for cooking and entertaining.Steps away from deeded bay access perfect for paddle boarding and enjoying the great outdoors. Absolute BEST neighbors on each side! Get out your golf cart and go! It's got great access!
#990207

Santa Rosa Beach

590 Las Roblas Grande Drive

4 Beds

3 Baths

2,443 Sq.Ft.

$619,000

MLS#: 990207

Price reduced
Extraordinary Views!!! A Waterfront Dream on Choctawhatchee BayAs the morning sun rises over Choctawhatchee Bay, golden light dances across the water, painting the sky in shades of pink and orange. The soft sounds of waves gently lapping against the shore create a peaceful rhythm--this is the kind of serenity that awaits you every single day.Nestled along 147 feet (approx.) of pristine waterfront, this rare, cleared, and level lot is a true hidden gem. A quaint 2-bedroom, 1-bath cabin sits on the property, waiting for the right vision to bring it back to life. Whether you dream of restoring its charm or building something entirely new, the opportunity to create your own bayfront sanctuary is here. Step outside, and the possibilities are endless. The seawall and dock pilings are already in place, inviting you to rebuild a dock designed for memorable days on the water. Imagine launching your boat just steps from your door, setting out for a morning of fishing where Speckled Trout, Redfish, and Flounder await. In the afternoon, take a paddleboard or kayak across the bay, letting the salty breeze guide you toward adventure.

And when the day winds down, there's no better way to end it than with a front-row seat to the most breathtaking sunsets. Pour a glass of wine, settle in on the porch, and watch as the sky turns brilliant shades of crimson and gold, reflecting off the water in a mesmerizing display.

Just 200 feet away, Grady Brown Park offers even more to love about this location. With a sandy beach, a large boat ramp, a handicap-accessible kayak launch, picnic areas, and open green space, it's like having a private retreat right next door.

But the magic of this property extends beyond its beauty - it's also incredibly convenient. Located in a peaceful, welcoming community, you're just a short boat ride from North Beach Social and The Bay Restaurant, perfect for a waterfront dinner with friends. Freeport is minutes away, offering shopping and essentials, while the stunning beaches of 30A are only 15-20 minutes from your doorstep. And with quick access to Interstate 10 and the VPS & ECP airports, travel is effortless.

This is more than just a piece of land. It's a lifestyle, a retreat, a dream waiting to be realized. Whether you're looking for a weekend getaway, a permanent waterfront home, or an investment in a slice of paradise, this property offers everything you could want.
Why wait? The sunrises are calling, the bay breeze is whispering, and the chance to live your dream is right here. Come see it for yourself--your waterfront story begins today!
#972538

Freeport

2894 Bay Grove Road

2 Beds

1 Baths

704 Sq.Ft.

$619,000

MLS#: 972538

Price reduced
Looking for the perfect vacation rental or a forever home in Panama City Beach?This beautifully updated 3-bedroom, 2-bath home sits on a desirable corner lot, just a 5-minute walk to the beach! Enjoy the sun, sand, and surf, all while being close to the best of what PCB has to offer.Located near Pier Park--a premier shopping and entertainment destination only 7 miles away--you'll have access to 124 stores, diverse dining, an IMAX theater, laser tag, and live music, making it a go-to spot for all ages. You'll also find nearby mini-golf, water parks, and more family fun, including Shipwreck Island Waterpark (just a 26-minute drive) with attractions like the Rapid River Run and Great Shipwreck Zip Line. Step inside to find a modernized home with striking board and batten vinyl siding, giving it a sleek curb appeal. The bright, open-concept living space features cathedral ceilings and is filled with natural light from abundant windows. Tile flooring throughout adds style and easy maintenance. The kitchen is a dreamcomplete with stainless steel appliances, granite countertops, a large island, and a separate pantry for extra storage. Down the hall, you'll find two guest bedrooms with French door closets and a shared full bath. The spacious primary suite at the back of the home offers privacy, a generous vanity, and a large closet. Outside, enjoy your own backyard oasis with a covered porch and an extended pergola over a deckperfect for grilling and relaxing. Whether you're investing in a vacation rental or looking to settle down near the beach, this is a must-see home!
Call today to schedule a showing!
#948167

Panama City Beach

22520 Hilltop Avenue

3 Beds

2 Baths

1,261 Sq.Ft.

$615,000

MLS#: 948167

Welcome to this nearly new, beautifully appointed two-story home located in the heart of Niceville. Built in 2023, this 4-bedroom, 2.5-bath residence offers approximately 2,630 square feet of thoughtfully designed living space on a private corner lot. The spacious open floor plan features soaring 9-foot ceilings, creating a seamless flow between the living, dining, and kitchen areas. The chef's kitchen is highlighted by custom white cabinetry, quartz countertops, walk-in pantry, and soft-close drawers, making it ideal for both everyday living and entertaining. The elegant master suite provides a true retreat with a spa-like bath that includes a custom tile shower with rain-head and bench sprayer, soaking tub, and a walk-in closet with custom shelving. Every bedroom in the home offers large closets, giving abundant storage throughout. The inside laundry room is exceptionally spacious, providing the perfect combination of convenience and functionality. High-quality finishes are found throughout the home, including luxury vinyl plank flooring, crown molding, recessed lighting, and upgraded spray foam insulation. Additional efficiency features such as upgraded Nest thermostats, tankless water heater, double-pane windows, and a high-efficiency HVAC system ensure year-round comfort. Every window in the home is fitted with attractive coastal shutters, offering timeless curb appeal. The property is situated on a dead-end street, providing exceptional privacy with minimal traffic. The exterior is designed for low maintenance with a brick front and durable PVC siding, while the covered porch and deck provide inviting outdoor living spaces. An oversized two-car garage and an additional side driveway provide plenty of parking and flexibility for guests, boats, or recreational vehicles.This home also benefits from its prime location near some of the area's best recreation. Rocky Bayou Country Club and the Golf Club at Bluewater Bay are just minutes away, offering championship golf in beautiful settings. Families will appreciate the proximity to community parks, playgrounds, and walking trails that enhance the active Niceville lifestyle. Conveniently located near top-rated schools, shopping, and other amenities, the property is zoned for Lula J. Edge Elementary, C. W. Ruckel Middle, and Niceville Senior High.
#987310

Niceville

602 Ivy Avenue

4 Beds

2 Baths

2,630 Sq.Ft.

$615,000

MLS#: 987310

Very nice spacious 2 Bedroom 2 1/2 bath Townhome in Southbay by the Gulf.  Located on the southside of Lake steps to the beach. New LVP Floor in Living Room with Updated Shiplap walls. Granite Counters with Backsplash and Kraft Cabinets in Kitchen. Completely redone on inside.All bathrooms have been renovated. Six Panel Doors though out. Freshly painted and nicely furnished. This is an updated turn key rental unit.  Complete list of updates and new items under Document Section.   Family and pet friendly community of 109 townhomes  nestled  on 14 landscaped acres in heart of Destin on beachside of Hwy 98.  300 Feet of deeded white sand beach. Conveniently located to all attractions including fishing, boating, shopping, dining, tennis, golf and entertainment.Rental History available.
#965386

Destin

940 E Highway 98 UNIT 82

2 Beds

2 Baths

1,289 Sq.Ft.

$615,000

MLS#: 965386

This three-bed, two-bath beach retreat is superbly located just three back from the white sandy beach. Attractively priced, it is fully updated with great potential as a vacation home or rental investment. Practical wood-look tile flooring and granite countertops give the entire condo a fresh, upscale vibe, along with well-appointed furnishings and neutral decor. Leave your car in your designated parking spot (one of two) right outside the door and head to the second floor. The open living room is spacious and bright, with multiple windows. The L-shaped floor plan includes a dedicated dining area for mealtimes after a full day's activities. There's a breakfast bar for additional seating. The kitchen comes fully equipped with stainless steel appliances and white Shaker-style cabinets. Granite countertops and a shiny glass backsplash complete the appeal. A Brand New washer and dryer are housed in a separate utility room, keeping everything neat and tidy. The generous sitting area invites you to relax on the comfy sofa and put your feet up in front of the TV. Enjoy refreshing breezes through sliding glass doors that open onto a balcony. It offers a private space where you can enjoy the views from an elevated vantage point. The balcony can also be accessed directly from the master bedroom with its ensuite bathroom and walk-in closet. There's a second bedroom with a queen bed, plus a bunk room with twin over full bunk beds. There's ample space for a trundle bed, too. A second full bathroom completes this spacious vacation retreat. Tennis courts, shuffleboard and a beautiful communal pool, keep everyone entertained when you're not swimming, walking and relaxing on the stunning sandy beach. Located midway between Seaside, Florida, and The Hub, this Beachside Villa retreat offers endless options for dining, shopping and entertainment, making every day feel like a true vacation.
#979941

Santa Rosa Beach

11 Beachside Drive UNIT 323

3 Beds

2 Baths

1,028 Sq.Ft.

$615,000

MLS#: 979941

Live the coveted east 30A lifestyle in this updated 2 bed 3 bath townhome, tucked right by Alys, Kaiya, and Rosemary. This charming retreat sits just across from the private deeded beach access-making your toes in the sand moment just steps away. Enjoy a quick bike ride or golf cart cruise to dinner in Rosemary or Alys! With a thoughtfully flipped floor plan, the upstairs main living area features a bright and open kitchen, dining, and living space that flows seamlessly onto a private balcony- ideal for morning coffee. Downstairs, two spacious bedrooms open to a screened in patio where you can unwind after a beach day or morning stroll down 30A. This location offers all the charm that makes 30A so special. Updated and turnkey this is perfect for your next investment or second home
#978069

Inlet Beach

50 Gossamer Lane UNIT 10

2 Beds

2 Baths

1,320 Sq.Ft.

$615,000

MLS#: 978069

Indulge in a breezy coastal lifestyle at Pinewood 30A, a newly developed condominium community nestled against the pristine backdrop of the Point Washington State Forest. This elegantly appointed 2BD/2BA luxury residence embodies effortless 30A living, just a short bike or golf cart ride from sugar-white beaches and emerald waters.Step inside to discover $20,000 in premium upgrades, enhancing an already stunning design. A geometric tile kitchen backsplash perfectly complements the quartz countertops, stainless GE Energy Star appliances, and a striking decorative wood vent hood. Designer pendant lighting casts a warm glow over the shiplap-accented kitchen island, while an additional shiplap feature wall in the hallway adds a touch of coastal charm. Thoughtful additions such as penny round tile flooring in the primary bath and extra custom hooks in the master closet and guest bath elevate both style and function.

Luxury details abound with 9' ceilings, 8' solid core doors, luxury vinyl + tile flooring, and spacious walk-in closets with custom wood shelving. Enjoy serene moments on your private covered porch, embracing the tranquil surroundings of South Walton.

Pinewood 30A offers resort-style amenities, including a zero-entry pool, executive center, and a brand-new state-of-the-art fitness center. The new daily beach shuttle ensures effortless access to the gulf, while nearby hiking and biking trails invite exploration. Popular area hotspots such as the Gulf Place Town Center, Shunk Gulley Oyster Bar, Papa Surf Burger Bar, and more are moments away and the popular communities of Grayton Beach, Seaside, and WaterColor are a short drive or bicycle ride.
#971339

Santa Rosa Beach

179 S County Highway 393 UNIT 327

2 Beds

2 Baths

1,224 Sq.Ft.

$615,000

MLS#: 971339

Craft Your Coastal Dream Home in Camp Creek CoveNestled within the exclusive enclave of Camp Creek Cove, Lot 2 Cove Creek Lane offers a rare opportunity to build your ideal beach retreat. This expansive homesite is situated on a tranquil, secluded street bordering the pristine Camp Creek Lake, one of South Walton's rare coastal dune lakes, providing a serene backdrop for your future residence.Enjoy the perfect balance of privacy and accessibility; while the lot offers a peaceful setting, it's just a short stroll to the sugar-white sands of the Gulf and the vibrant 30A corridor. Hop on a bike or golf cart to explore nearby Seagrove's popular eateries, indulge in shopping and entertainment at The Big Chill, or visit the charming town centers of Alys Beach and Rosemary Beach. This prime location not only offers natural beauty and tranquility but also places you in the heart of a thriving community known for its upscale amenities and coastal charm. Don't miss this exceptional opportunity to create your custom sanctuary in one of Inlet Beach's most sought-after neighborhoods


Important information about finding this lot! 

The google maps will take you to the wrong location, follow these directions instead:
Start on US-98 West: From Inlet Beach, head west on US-98 W.
Turn onto Scenic Highway 30A: After approximately 0.5 miles, turn left onto Scenic Highway 30A.
Proceed on Scenic 30A: Continue west on Scenic 30A for about 4 miles.
Turn onto Camp Creek Road South: Turn right onto Camp Creek Road South.
Follow to the End: Continue on Camp Creek Road South until it ends and you reach the two white entryway beams on either side of the road.
Arrive at Cove Creek Lane: At the end of Camp Creek Road South, you will reach Cove Creek Lane. Lot 2 is on the left
#977922

Inlet Beach

Lot 2 Cove Creek Lane

None Beds

None Baths

0.36 acres

$615,000

MLS#: 977922

This top floor beauty is an Income-producing condo on the Jetty East rental program. 2023 gross income was $66,000, 2024 was $58,130. Please see rental history and reservations for 2025 in documents section. This lovely, updated 2 bedroom, 2 bathroom condo is being sold fully furnished. Gorgeous views of the East Pass and the Gulf! Spa-like bathrooms and granite throughout bathrooms and kitchen give an updated feel. Kitchen has stainless appliances, double sink, backsplash and custom cabinets. In unit laundry for convenience. Details such as built in USB receptacles offer convenience and ease when staying away from home. Tile floors throughout and no carpet. Hot water heater has been replaced as well.  Jetty East Amenities include a 2400 sq. ft. pool with sun deck, hot tub, beach side pavilion with charcoal grills, tennis courts, pickleball, fitness room, kid's activities, music entertainment, shuffleboard, owners meeting room and of course 900 feet of Sugar White Sand! There is 24 hour security in place as well. Call today to schedule a tour.
#983673

Destin

500 Gulf Shore Drive 616B

2 Beds

2 Baths

1,030 Sq.Ft.

$615,000

MLS#: 983673

Beautifully updated 3-bedroom, 2-bath home located in the sought-after Biltmore Beach neighborhood, just three blocks from the Gulf of Mexico. Nestled on a large, fully fenced corner lot, this home offers ample space for outdoor livingperfect for children, pets, and entertaining. The interior features-stained concrete flooring throughout for a sleek, low-maintenance finish. The spacious layout includes a second-floor balcony offering local views and a peaceful spot to enjoy morning coffee or evening sunsets. And the best feature, you can see Beach Access #7 directly from the driveway! Recent upgrades include: Fresh exterior paint Roof replaced in 2018 HVAC system (2012) Tankless water heater (2018) + tank water heater (2020) Plumbing and electrical updated in 2018 This home is ideally located near multiple public beach accesses, marinas, and a public boat launchplus it's just a short walk or drive to several local favorite restaurants, offering the best of coastal living. Perfect as a full-time residence, vacation retreat, or investment property! **ALL MEASUREMENTS AND INFORMATION TO BE VERIFIED BY THE BUYER**
#991486

Panama City Beach

4003 Hurt Street

3 Beds

2 Baths

2,089 Sq.Ft.

$614,000

MLS#: 991486

1 ... 56 57 58 59 60 ... 86

properties found. properties found. Page of .

 - property

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

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

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.