Jobs in Lehigh Acres Florida
267 positions found — Page 11
At OneMain, Loan Sales Specialists empower customers by listening to their needs and providing access to friendly, fast, and affordable financing for life's expenses. In this role, our team members thrive in a competitive atmosphere where hard work and dedication directly influence success. This role provides rewarding professional development and advancement opportunities in a dynamic and supportive environment. Loan Sales Specialists enjoy competitive compensation that recognizes both individual achievements and team success, all while growing their career.
In the Role
- Effectively multitask and adapt to the dynamic demands of the role, ensuring timely and efficient service
- Exceed customer expectations through ease, empathy and encouragement, delivering results related to individual and branch goals
- Develop new connections and maintain ones by engaging customers throughout the loan process and life cycle, presenting tailored solutions based on customer needs
- Manage the life cycle of loans, including collections activities while maintaining compliance with all relevant laws and regulations
- Engage with customers and other departments through multiple technological channels, including phone, email, chat and our in-house systems
- Exhibit passion for achievement, bringing an internal drive to succeed and goal oriented attitude
- Clearly educate and inform customers on optional insurance products, ensuring customers have a thorough understanding of the loans, terms and their options
Requirements:
- High School Diploma or GED
Preferred:
- Sales, Collections or Customer Service experience
- Bilingual - Spanish
Location: On site
The schedule for this position is Monday-Friday during standard business hours, with some extended hours during the week as needed which may include Saturday.
Who we Are
A career with OneMain offers you the potential to earn an annual salary plus incentives. You can steer your career toward leadership roles such as Branch Manager and District Manager by taking advantage of a variety of robust training programs and opportunities to advance. Other team member benefits include:
- Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
- Up to 4% matching 401(k)
- Employee Stock Purchase Plan (10% share discount)
- Tuition reimbursement
- Paid time off (15 days' vacation per year, prorated based on start date)
- Paid sick leave as determined by state or local ordinance (prorated based on start date)
- 11 Paid holidays (4 floating holidays, prorated based on start date)
- Paid volunteer time (3 days per year, prorated based on start date)
OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.
In our more than 1,300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets. We meet customers where they want to be -- in person, by phone and online.
At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain.
Key Word Tags
Sales, Collections, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Entry level, Financial Sales, Management Development, Management Trainee, Finance, Full-time, Career, Benefits, Customer experience, Financial Representative, Credit, Leadership, Manager Trainee
Medical Director
Titan Placement Group invites you to explore an opportunity in Fort Myers, Florida.
Located on Florida?s Suncoast, Fort Myers is renowned for its white sandy beaches, world-class fishing, and rich cultural history. This coastal gem offers residents a laid-back lifestyle with vibrant downtown amenities, beautiful waterfront dining, and abundant outdoor activities year-round.
Salary and Benefits:
- Base Salary: $280,000 ? $300,000
- Bonuses: Total compensation potential well over $300,000
- Paid Time Off: 33 days annually
- CME: $3,500 allowance plus 1 week off
- Relocation Assistance
- Health Insurance: Comprehensive medical, dental, vision, and supplemental benefits for provider and family
- Retirement: 401(k) with 5.5% employer match
- Partnership Opportunity: No buy-in required
- Work/Life Balance: Monday to Friday, 7:30 AM ? 5:00 PM schedule (last patient at 4:15 PM)
- In-House Specialists: Cardiology, Podiatry, and more
- Holistic Services: Acupuncture, Tai Chi, Yoga, and Nutritional Counseling
- Door-to-Door Patient Transportation Provided
Responsibilities:
- Serve as Center Medical Director in an outpatient setting
- Oversee and manage a team of PCPs and Nurse Practitioners
- Maintain a small patient panel of 60?90 patients (primarily seniors with multiple chronic conditions)
- Deliver high-quality, value-based care focused on patient outcomes
- Participate in ongoing leadership and clinical development programs
- Collaborate on financial and operational performance of the center
- Ensure exceptional patient experience and clinical excellence
Requirements:
- Board Certified or Board Eligible in Family Medicine, Internal Medicine, or Geriatrics
- Doctor of Medicine (MD) or Doctor of Osteopathy (DO)
- Minimum 1 year of clinical experience with senior populations
- Leadership experience preferred
- Strong leadership, organizational, and communication skills
- Proficient in Microsoft Office; local and occasional regional travel required
About Us:
Titan Placement Group is a permanent placement healthcare recruiting firm that bridges the gap between healthcare companies and high-quality candidates. We do that by utilizing our core values of communication, collaboration, and accountability. Titan Placement Group is an EEO/AA/Disability/Protected Veteran Employer. We encourage minority and female candidates to apply.
If interested, please apply or email your resume to
You can always reach us by phone at (941) 269-1000.
Are you a results-driven sales professional ready to take full control of your income, schedule, and success?At Wholesale Payments, we're empowering ambitious Outside B2B Sales Executives to own their territory, dominate their market, and build lasting wealth in the rapidly growing fintech and merchant services industry.
What You'll Do
- Engage and consult with small and mid-sized business owners, offering best-in-class payment processing, POS, and business technology solutions
- Execute a proven B2B sales process — prospect, present, and close new accounts face-to-face
- Manage your own pipeline with full autonomy, supported by elite tools and a winning culture
- Build a residual income stream that grows month after month — every account you sign keeps paying you
- Become a trusted advisor to your clients — delivering value, savings, and partnership
What You'll Get
- Uncapped Commission Structure — earn what you're worth
- Lifetime Residuals — ongoing passive income on every account
- $15,000+ Fast-Start Bonus potential in your first 90 days
- Daily Qualified Leads so you can focus on closing, not chasing
- Exclusive Fintech Tools & CRM — built to help you win faster
- 45X Portfolio Buyout Option — turn your book into real equity
- Comprehensive Training, Mentorship & Closer Support
- 3-6 preset appointments each day!
What We're Looking For
- Proven B2B or outside sales track record (merchant services or fintech experience preferred)
- A fearless hunter mentality — you love prospecting and closing deals
- A "CLOSER" - Hybrid role with appointments that need to be closed!
- Entrepreneurial spirit with discipline and self-motivation
- Confident communicator who builds instant trust with business owners
- A go-getter who thrives in a performance-based environment
Why Wholesale Payments?
This isn't your typical sales gig — it's a career path toward true financial freedom. You'll be backed by one of the most respected names in the industry, equipped with world-class tools, and surrounded by a winning culture that rewards performance.
Job Type: Full-time
Pay: $85,000.00 - $185,000.00 per year
Benefits:
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Experience:
- Outside sales: 2 years (Preferred)
- Direct sales: 1 year (Preferred)
- Sales: 4 years (Required)
- B2B sales: 2 years (Required)
Ability to Commute:
- Arizona (Required)
Work Location: Remote
Remote working/work at home options are available for this role.
Are you a results-driven sales professional ready to take full control of your income, schedule, and success?At Wholesale Payments, we're empowering ambitious Outside B2B Sales Executives to own their territory, dominate their market, and build lasting wealth in the rapidly growing fintech and merchant services industry.
What You'll Do
- Engage and consult with small and mid-sized business owners, offering best-in-class payment processing, POS, and business technology solutions
- Execute a proven B2B sales process — prospect, present, and close new accounts face-to-face
- Manage your own pipeline with full autonomy, supported by elite tools and a winning culture
- Build a residual income stream that grows month after month — every account you sign keeps paying you
- Become a trusted advisor to your clients — delivering value, savings, and partnership
What You'll Get
- Uncapped Commission Structure — earn what you're worth
- Lifetime Residuals — ongoing passive income on every account
- $15,000+ Fast-Start Bonus potential in your first 90 days
- Daily Qualified Leads so you can focus on closing, not chasing
- Exclusive Fintech Tools & CRM — built to help you win faster
- 45X Portfolio Buyout Option — turn your book into real equity
- Comprehensive Training, Mentorship & Closer Support
- 3-6 preset appointments each day!
What We're Looking For
- Proven B2B or outside sales track record (merchant services or fintech experience preferred)
- A fearless hunter mentality — you love prospecting and closing deals
- A "CLOSER" - Hybrid role with appointments that need to be closed!
- Entrepreneurial spirit with discipline and self-motivation
- Confident communicator who builds instant trust with business owners
- A go-getter who thrives in a performance-based environment
Why Wholesale Payments?
This isn't your typical sales gig — it's a career path toward true financial freedom. You'll be backed by one of the most respected names in the industry, equipped with world-class tools, and surrounded by a winning culture that rewards performance.
Job Type: Full-time
Pay: $85,000.00 - $185,000.00 per year
Benefits:
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Experience:
- Outside sales: 2 years (Preferred)
- Direct sales: 1 year (Preferred)
- Sales: 4 years (Required)
- B2B sales: 2 years (Required)
Ability to Commute:
- Arizona (Required)
Work Location: Remote
Remote working/work at home options are available for this role.
Are you a results-driven sales professional ready to take full control of your income, schedule, and success?At Wholesale Payments, we're empowering ambitious Outside B2B Sales Executives to own their territory, dominate their market, and build lasting wealth in the rapidly growing fintech and merchant services industry.
What You'll Do
- Engage and consult with small and mid-sized business owners, offering best-in-class payment processing, POS, and business technology solutions
- Execute a proven B2B sales process — prospect, present, and close new accounts face-to-face
- Manage your own pipeline with full autonomy, supported by elite tools and a winning culture
- Build a residual income stream that grows month after month — every account you sign keeps paying you
- Become a trusted advisor to your clients — delivering value, savings, and partnership
What You'll Get
- Uncapped Commission Structure — earn what you're worth
- Lifetime Residuals — ongoing passive income on every account
- $15,000+ Fast-Start Bonus potential in your first 90 days
- Daily Qualified Leads so you can focus on closing, not chasing
- Exclusive Fintech Tools & CRM — built to help you win faster
- 45X Portfolio Buyout Option — turn your book into real equity
- Comprehensive Training, Mentorship & Closer Support
- 3-6 preset appointments each day!
What We're Looking For
- Proven B2B or outside sales track record (merchant services or fintech experience preferred)
- A fearless hunter mentality — you love prospecting and closing deals
- A "CLOSER" - Hybrid role with appointments that need to be closed!
- Entrepreneurial spirit with discipline and self-motivation
- Confident communicator who builds instant trust with business owners
- A go-getter who thrives in a performance-based environment
Why Wholesale Payments?
This isn't your typical sales gig — it's a career path toward true financial freedom. You'll be backed by one of the most respected names in the industry, equipped with world-class tools, and surrounded by a winning culture that rewards performance.
Job Type: Full-time
Pay: $85,000.00 - $185,000.00 per year
Benefits:
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Experience:
- Outside sales: 2 years (Preferred)
- Direct sales: 1 year (Preferred)
- Sales: 4 years (Required)
- B2B sales: 2 years (Required)
Ability to Commute:
- Arizona (Required)
Work Location: Remote
Remote working/work at home options are available for this role.
Are you a results-driven sales professional ready to take full control of your income, schedule, and success?At Wholesale Payments, we're empowering ambitious Outside B2B Sales Executives to own their territory, dominate their market, and build lasting wealth in the rapidly growing fintech and merchant services industry.
What You'll Do
- Engage and consult with small and mid-sized business owners, offering best-in-class payment processing, POS, and business technology solutions
- Execute a proven B2B sales process — prospect, present, and close new accounts face-to-face
- Manage your own pipeline with full autonomy, supported by elite tools and a winning culture
- Build a residual income stream that grows month after month — every account you sign keeps paying you
- Become a trusted advisor to your clients — delivering value, savings, and partnership
What You'll Get
- Uncapped Commission Structure — earn what you're worth
- Lifetime Residuals — ongoing passive income on every account
- $15,000+ Fast-Start Bonus potential in your first 90 days
- Daily Qualified Leads so you can focus on closing, not chasing
- Exclusive Fintech Tools & CRM — built to help you win faster
- 45X Portfolio Buyout Option — turn your book into real equity
- Comprehensive Training, Mentorship & Closer Support
- 3-6 preset appointments each day!
What We're Looking For
- Proven B2B or outside sales track record (merchant services or fintech experience preferred)
- A fearless hunter mentality — you love prospecting and closing deals
- A "CLOSER" - Hybrid role with appointments that need to be closed!
- Entrepreneurial spirit with discipline and self-motivation
- Confident communicator who builds instant trust with business owners
- A go-getter who thrives in a performance-based environment
Why Wholesale Payments?
This isn't your typical sales gig — it's a career path toward true financial freedom. You'll be backed by one of the most respected names in the industry, equipped with world-class tools, and surrounded by a winning culture that rewards performance.
Job Type: Full-time
Pay: $85,000.00 - $185,000.00 per year
Benefits:
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Experience:
- Outside sales: 2 years (Preferred)
- Direct sales: 1 year (Preferred)
- Sales: 4 years (Required)
- B2B sales: 2 years (Required)
Ability to Commute:
- Arizona (Required)
Work Location: Remote
Remote working/work at home options are available for this role.
Are you a results-driven sales professional ready to take full control of your income, schedule, and success?At Wholesale Payments, we're empowering ambitious Outside B2B Sales Executives to own their territory, dominate their market, and build lasting wealth in the rapidly growing fintech and merchant services industry.
What You'll Do
- Engage and consult with small and mid-sized business owners, offering best-in-class payment processing, POS, and business technology solutions
- Execute a proven B2B sales process — prospect, present, and close new accounts face-to-face
- Manage your own pipeline with full autonomy, supported by elite tools and a winning culture
- Build a residual income stream that grows month after month — every account you sign keeps paying you
- Become a trusted advisor to your clients — delivering value, savings, and partnership
What You'll Get
- Uncapped Commission Structure — earn what you're worth
- Lifetime Residuals — ongoing passive income on every account
- $15,000+ Fast-Start Bonus potential in your first 90 days
- Daily Qualified Leads so you can focus on closing, not chasing
- Exclusive Fintech Tools & CRM — built to help you win faster
- 45X Portfolio Buyout Option — turn your book into real equity
- Comprehensive Training, Mentorship & Closer Support
- 3-6 preset appointments each day!
What We're Looking For
- Proven B2B or outside sales track record (merchant services or fintech experience preferred)
- A fearless hunter mentality — you love prospecting and closing deals
- A "CLOSER" - Hybrid role with appointments that need to be closed!
- Entrepreneurial spirit with discipline and self-motivation
- Confident communicator who builds instant trust with business owners
- A go-getter who thrives in a performance-based environment
Why Wholesale Payments?
This isn't your typical sales gig — it's a career path toward true financial freedom. You'll be backed by one of the most respected names in the industry, equipped with world-class tools, and surrounded by a winning culture that rewards performance.
Job Type: Full-time
Pay: $85,000.00 - $185,000.00 per year
Benefits:
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Experience:
- Outside sales: 2 years (Preferred)
- Direct sales: 1 year (Preferred)
- Sales: 4 years (Required)
- B2B sales: 2 years (Required)
Ability to Commute:
- Arizona (Required)
Work Location: Remote
Job Title : Nuclear Engineer (Naval Reactors Engineer) Category / Component : Officer • Active Overview Design, regulate, and oversee the Navy's nuclear propulsion program, including reactor design, fleet operations, and eventual defueling and decommissioning of nuclear powered ships and submarines from Naval Reactors Headquarters and associated Department of Energy laboratories and shipyards.
Key Responsibilities Provide technical direction in areas such as reactor and fluid systems design, reactor physics, materials development, component design for steam generators, pumps, and valves, instrumentation and control for reactor and propulsion plants, testing and quality control, radiation shielding, and chemistry and radiological controls; review designs and analyses from laboratories, shipyards, and industry partners; coordinate with fleet units to ensure safe and reliable nuclear plant operation.
What to Expect Assume significant technical responsibility early in your career as part of a lean headquarters staff; work primarily in an analytical and oversight role rather than operating plants at sea; balance long term engineering projects with time sensitive fleet and shipyard issues; frequent coordination with senior civilian engineers, naval officers, and technical teams; high expectations for attention to detail, judgment, and written and oral communication.
Work Environment Work mainly at Naval Reactors Headquarters in the Washington, District of Columbia area with regular engagement with Department of Energy laboratories, nuclear training sites, shipyards, and nuclear powered ships and submarines; office based work that includes document reviews, technical meetings, inspections, and site visits rather than day to day shipboard watchstanding.
Pathways, Training & Advancement Officer commissioning through programs such as Officer Candidate School or the Nuclear Propulsion Officer Candidate program followed by a structured technical qualification program at Naval Reactors; rotational exposure to laboratories, prototypes, shipyards, and fleet support issues; progressive responsibility leading projects and becoming a subject matter expert, with opportunities for professional military education and advanced graduate study in technical fields.
Entry through the Nuclear Propulsion Officer Candidate program for qualified college students and recent graduates, or selection via Officer Candidate School for those who already hold qualifying degrees; all applicants must meet Nuclear Propulsion Program academic and technical screening standards in addition to general officer commissioning requirements.
Qualifications All Navy jobs require meeting general enlistment or commissioning standards, which typically include: Eligibility to serve in the United States Navy, which may involve United States citizenship or other legal residency and work status, depending on the program and current law and policy A high school diploma or equivalent for enlisted positions, and a bachelor's or qualifying professional degree for officer positions Meeting age limits that vary by program and are set in law and Navy policy.
Some communities have more restrictive age ranges Meeting medical, vision, and dental standards, including body composition and physical fitness requirements, with some jobs requiring more demanding standards Meeting character and conduct standards, including background screening Achieving required test scores for your program, such as the Armed Services Vocational Aptitude Battery for enlisted roles or officer qualification tests for officer programs Eligibility for a security clearance when required for your rating or designator Additional qualifications can include specific skills, education, licensure, or experience that are unique to a job or community and will be reviewed with you by a recruiter.
Additional qualifications for this job may include: Completion of a rigorous technical degree in engineering, physics, mathematics, or a closely related field that includes strong backgrounds in calculus and physics; outstanding academic record, particularly in technical coursework; United States citizenship and eligibility for a high level security clearance; strong technical aptitude and comfort with detailed analytical work.
Education Education benefits are available through standard Navy programs such as Tuition Assistance, the Post-9/11 GI Bill, ACE-recommended college credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities.
Specific options depend on the Sailor's status, training, and current Navy policy.
Pay, Benefits & Service Pay, benefits, and service commitments follow standard Navy Active and/or Reserve policies for this type of role, including basic pay, allowances when eligible, health coverage, and retirement options.
Exact entitlements, special pays, and service obligations depend on program, component, years of service, and current law and Navy guidance.
Incentives Incentives such as bonuses, special pays, and loan repayment may be available at times for specific ratings or communities, but they change frequently and cannot be guaranteed.
Applicants must confirm current incentives and eligibility with an official Navy recruiter or authoritative Navy source.
Notes and Disclaimers This description is a general overview of typical duties, training, and opportunities in this community.
It does not replace official Navy instructions, policies, or contracts and does not guarantee specific assignments, training, incentives, or outcomes.
Actual opportunities depend on Navy needs, individual performance, screening results, and current law and policy.
DocCafe has an immediate opening for the following position: Physician - Obstetrics & Gynecology in Fort Myers, Florida.
Make $180 - $230/hourly.
DocCafe is the premier physician and advanced practice job board to help you advance your healthcare career.
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Job Title : Bomb Technician (EOD) Category / Component : Enlisted • Active Overview Explosive Ordnance Disposal Technicians locate, identify, render safe, and dispose of explosive threats on land, at sea, and underwater, using advanced robotics, diving, and explosives skills to protect forces and civilians and support fleet and joint operations worldwide.
Key Responsibilities Detonate and demolish hazardous munitions, pyrotechnics, and outdated explosives; neutralize ordnance including sea mines, torpedoes, depth charges, and improvised explosive devices; remotely disable unsafe ordnance using robotic and diagnostic technology; conduct parachute and helicopter insertion operations; clear waterways of mines in support of ships and submarines; provide explosive ordnance support to law enforcement agencies and organizations such as the United States Secret Service and Department of State.
What to Expect Global missions in every environment, from parachuting into remote terrain to arriving by small boat on foreign shores; majority of time spent in the field conducting high risk, time critical tasks with strict safety and risk management; regular integration with Special Operations, fleet units, and interagency partners; intense physical and mental demands with a culture that values precision, calm decision making, and discipline.
Work Environment Operate worldwide on land, at sea, and underwater from EOD Mobile Units and detachments; insert via parachute, helicopter, and small boats; work from ships, shore commands, and forward locations; serve in small team based units that balance training, readiness, and operational tasking with limited administrative overhead compared to field work.
Pathways, Training & Advancement Recruit Training followed by an EOD preparatory course at Great Lakes, Illinois, that builds swimming, conditioning, small boat skills, and risk management fundamentals; EOD Assessment and Selection Course that evaluates aquatic adaptability, running, swimming, academics, professionalism, and teamwork; Navy diver training at the Naval Diving and Salvage Training Center; Naval School Explosive Ordnance Disposal, which covers demolition, conventional ordnance, underwater mines, missiles, landmines, and chemical, biological, radiological, and nuclear threats; Basic Parachute Training and ongoing advanced training and qualifications throughout a career.
Apply for the Navy Warrior Challenge contract for EOD during initial enlistment, then pass the EOD Physical Screening Test and diver medical screening; complete required assessments and receive recommendation and screening from an EOD officer or senior enlisted EOD technician; additional in service accession requirements may include minimum time on board, performance standards, and command endorsement.
Qualifications All Navy jobs require meeting general enlistment or commissioning standards, which typically include: Eligibility to serve in the United States Navy, which may involve United States citizenship or other legal residency and work status, depending on the program and current law and policy A high school diploma or equivalent for enlisted positions, and a bachelor's or qualifying professional degree for officer positions Meeting age limits that vary by program and are set in law and Navy policy.
Some communities have more restrictive age ranges Meeting medical, vision, and dental standards, including body composition and physical fitness requirements, with some jobs requiring more demanding standards Meeting character and conduct standards, including background screening Achieving required test scores for your program, such as the Armed Services Vocational Aptitude Battery for enlisted roles or officer qualification tests for officer programs Eligibility for a security clearance when required for your rating or designator Additional qualifications can include specific skills, education, licensure, or experience that are unique to a job or community and will be reviewed with you by a recruiter.
Additional qualifications for this job may include: Eyesight correctable within EOD diving standards, with no color blindness; qualifying ASVAB scores using combinations such as arithmetic reasoning and verbal expression or general science, mechanical comprehension, and electronics information; age typically 30 or younger at accession; United States citizenship and eligibility for a security clearance; excellent physical condition and swimming ability, with the capacity to perform detailed technical tasks under stress and in hazardous environments.
Education Education benefits are available through standard Navy programs such as Tuition Assistance, the Post-9/11 GI Bill, ACE-recommended college credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities.
Specific options depend on the Sailor's status, training, and current Navy policy.
Pay, Benefits & Service Pay, benefits, and service commitments follow standard Navy Active and/or Reserve policies for this type of role, including basic pay, allowances when eligible, health coverage, and retirement options.
Exact entitlements, special pays, and service obligations depend on program, component, years of service, and current law and Navy guidance.
Incentives Incentives such as bonuses, special pays, and loan repayment may be available at times for specific ratings or communities, but they change frequently and cannot be guaranteed.
Applicants must confirm current incentives and eligibility with an official Navy recruiter or authoritative Navy source.
Notes and Disclaimers This description is a general overview of typical duties, training, and opportunities in this community.
It does not replace official Navy instructions, policies, or contracts and does not guarantee specific assignments, training, incentives, or outcomes.
Actual opportunities depend on Navy needs, individual performance, screening results, and current law and policy.