Find Streeterville: Chicago's Luxury Living Hub
When you think of luxury apartments in Streeterville Chicago, you're envisioning the gold standard of urban living. This sought-after neighborhood captures the essence of Chicago's sophisticated side, but it's worth comparing to what Uptown offers for those seeking the perfect balance of luxury and value.
Streeterville shines with its impressive 97 WalkScore and prime location between Lake Michigan and downtown's energy. The neighborhood boasts buildings with up to 1.5 acres of dedicated amenity space where residents enjoy rooftop pools overlooking the skyline and state-of-the-art fitness centers.
"We've noticed many residents who initially consider Streeterville are pleasantly surprised by what they find in Uptown," shares a resident advisor at The Wilmore. "They get the same caliber of luxury finishes and amenities, often with more space and character, plus easy lakefront access."
What truly sets luxury apartments in Streeterville Chicago apart are those jaw-dropping views through floor-to-ceiling windows – the kind that make you pause every morning to appreciate Lake Michigan's vastness or the twinkling city lights. Inside, expect nothing less than granite countertops, hardwood-inspired flooring, and top-tier stainless appliances.
Pet lovers will feel right at home in either neighborhood. Most luxury buildings welcome your four-legged family members, typically allowing two pets with standard breed guidelines and reasonable fees. Many even feature dedicated pet spas and private dog runs – amenities you'll also find in Uptown's premier buildings like The Wilmore.
While Streeterville offers undeniable convenience to the Magnificent Mile and business district, Uptown counters with its own brand of luxury living – one that blends historic character with modern design, often at a better value point while still providing that coveted lakefront lifestyle.
Luxury Apartments in Streeterville Chicago: What Sets the Gold Standard
The phrase luxury apartments in Streeterville Chicago brings to mind a certain caliber of living that's worth understanding—especially if you're considering upscale options in Uptown. While Streeterville sets certain standards, many of these premium features are available in Uptown's finest buildings too, like The Wilmore.
Today's luxury market has evolved dramatically. The most impressive properties now feature environmentally-conscious LEED certification, sprawling amenity spaces (sometimes up to 1.5 acres!), and finishes that would make boutique hotels jealous. When you step into buildings like these, you're not just renting an apartment—you're investing in a lifestyle.
What really separates luxury from conventional rentals is the complete package. While standard apartments cover the basics, true luxury delivers experiences. Think 24-hour concierge service greeting you by name, private entrances that whisk you away from street traffic, and rooftop pools where you can float while gazing at Chicago's iconic skyline. Smart home technology lets you control your environment with a tap, while designer fixtures add that special touch that makes a place feel like home.
Location plays a huge role too. Streeterville boasts an impressive WalkScore of 97, making daily errands a breeze without a car. While Uptown may not quite hit that number, it offers a different kind of premium—a perfect blend of accessibility and neighborhood charm that many residents find even more appealing.
Signature Details of "luxury apartments in streeterville chicago"
The magic of luxury apartments in Streeterville Chicago lies in those special touches that transform everyday living into something extraordinary—similar to what you'll find at The Wilmore in Uptown.
Spa-Level Wellness Facilities have become a must-have in premium buildings. Imagine unwinding after work in a hydrotherapy pool or detoxing in a steam room without ever leaving your building. These spaces aren't afterthoughts—they're carefully designed wellness retreats that help you maintain balance in your busy life.
Some lucky residents enjoy Direct Retail Access to premium stores like Whole Foods. Picture grabbing fresh ingredients for dinner without putting on a coat in January—that's the kind of convenience that changes your daily routine for the better.
The views are nothing short of spectacular in luxury high-rises. Panoramic Views through floor-to-ceiling windows turn ordinary living rooms into observation decks showcasing Lake Michigan, Navy Pier, and Chicago's architectural wonders. In Uptown, The Wilmore offers its own stunning vistas of the neighborhood's historic charm mixed with lakefront beauty.
"These buildings aren't just about having a nice place to sleep—they're about elevating your entire lifestyle," as one resident put it. From custom cabinetry to natural stone countertops and engineered hardwood flooring, these homes feel both sophisticated and welcoming.
Floor-Plan Variety in "luxury apartments in streeterville chicago"
One size definitely doesn't fit all when it comes to luxury apartments in Streeterville Chicago, and the same philosophy applies to premier Uptown buildings like The Wilmore.
The range of options is impressive, starting with clever studios and convertibles around 500 square feet that use every inch wisely. One-bedroom units (typically 700–1,000 square feet) offer more breathing room, often with dedicated dining spaces and generous closets.
Families and those working from home gravitate toward two-bedroom residences spanning 1,000–1,800 square feet, while three-bedroom luxury homes rival single-family properties with 1,800–2,500 square feet of thoughtfully designed space. For those seeking the ultimate statement, penthouse collections crown these buildings with 2,000+ square feet of premium finishes and unrivaled views.
What makes luxury floor plans special is their flow. Open-concept designs create seamless movement between living spaces while maintaining distinct areas for different activities. Many units feature private outdoor spaces—a true luxury in the city—ranging from cozy balconies perfect for morning coffee to expansive terraces ideal for entertaining.
Those dramatic floor-to-ceiling windows aren't just for show; they flood homes with natural light and make spaces feel significantly larger than their square footage suggests. Whether you're in Streeterville or exploring options at The Wilmore in Uptown, these thoughtful designs create homes that truly lift everyday living.
Amenity Spotlight: Wellness, Work & Play
The amenity packages in luxury apartments in Streeterville Chicago have evolved dramatically in recent years, but they've got nothing on what we're offering at The Wilmore in Uptown. We've carefully crafted our amenity spaces to reflect what today's residents truly value – wellness routines that stick, comfortable work-from-home solutions, and social spaces that actually bring people together.
Gone are the days of the sad little "fitness center" with two treadmills and a broken elliptical. At The Wilmore, we've created distinct zones for different moods and activities, all designed to feel like natural extensions of your home. Our rooftop pool deck offers those Instagram-worthy skyline views, while our co-working spaces give you a reason to change out of your pajamas (even if it's just to walk down the hall).
What makes our amenity package special is how it weaves into your daily life. Need to host a client meeting but don't want to trek downtown? Our conference rooms have you covered. Dog looking at you with those sad eyes at 11 PM? Our indoor dog run means you don't have to brave Chicago winter nights. Package delivered while you're at work? Our concierge team will keep it safe until you're home.
Wellness Escapes Without Leaving Home
Remember when "apartment fitness" meant doing jumping jacks in your living room? At The Wilmore, we've created wellness spaces that rival boutique studios and spas, right in your building.
Our fitness center goes beyond basic equipment, with dedicated zones for strength training, cardio, and functional movement. The yoga studio offers the perfect calm environment for your practice, with natural light that makes those morning sun salutations feel especially meaningful.
What residents seem to love most is our hydrotherapy spa area – there's something magical about slipping into a warm whirlpool after a long day that makes the stress of city life melt away. No appointment needed, no membership fees, just take the elevator down and you're there.
We've designed these spaces understanding that wellness isn't just about breaking a sweat – it's about creating moments of balance in your day. Whether that's a quick meditation session before work or an intense HIIT workout to blow off steam, the tools for your wellness journey are right here.
Work-From-Home Ready Features
The work-from-home revolution isn't going anywhere, and neither are those Zoom calls where your roommate decides to blend a smoothie in the background. That's why our luxury apartments in Streeterville Chicago competitors (and we at The Wilmore) have re-imagined what working from home can be.
Our co-working lounge offers varied seating arrangements that somehow make Tuesday afternoon spreadsheets feel less tedious. Need privacy for that important client call? Our focus pods provide the perfect sound-isolated environment. And when your team needs to collaborate in person, our conference rooms come equipped with all the tech you need to impress.
High-speed fiber internet flows throughout our common areas and into every residence, because nothing kills productivity like the spinning wheel of doom during your presentation. Many of our floor plans also feature built-in desk nooks or convertible spaces that transition seamlessly between work and relaxation.
As workplace research shows, about 92% of employees now expect some form of remote work flexibility – making these thoughtful work spaces not just nice-to-haves but essential components of modern urban living. And when you're ready to call it a day, your actual home is just steps away. According to research from WebMD, proper work-from-home environments can significantly boost productivity and reduce stress levels.
Pet-Centric Perks
At The Wilmore, we know your four-legged roommates aren't just pets – they're family members with their own needs and quirks. That's why we've created a pet-friendly environment that considers their comfort as much as yours.
Our dedicated pet relief areas mean no mad dash to find a patch of grass during Chicago's infamous winter storms. The indoor dog run gives your energetic pup a place to burn off energy, even when the weather outside is frightful. And our pet grooming station saves you from changing your bathroom into a fur-covered disaster zone after muddy park trips.
We welcome up to two pets per apartment, with some breed restrictions that focus more on behavior than stereotypes. Yes, there are the standard pet fees – a one-time non-refundable fee and a monthly pet rent – but we think the convenience of having pet-friendly amenities right in your building more than makes up for it.
Some of our residents swear their dogs have made more friends in the building than they have. There's something about running into the same furry faces in the elevator that creates a special kind of community bond. It's just one more way The Wilmore feels like home – for everyone who lives here, regardless of how many legs they walk on.
Floor Plans & Rent Snapshot
Luxury apartments in Streeterville Chicago showcase thoughtfully designed spaces that blend style with functionality. At The Wilmore, we've brought this same approach to Uptown Chicago, creating homes that feel both luxurious and livable, no matter what size you're looking for.
Finding your perfect floor plan is about understanding what's available and what fits your lifestyle. In luxury buildings throughout Chicago, you'll typically find a range of options:
From cozy studios starting around 500 square feet to spacious three-bedroom residences offering up to 2,500 square feet of living space, there's truly something for everyone. The sweet spot for many residents tends to be our one-bedroom layouts (700-950 square feet) and two-bedroom homes (1,000-1,800 square feet), which balance space with affordability.
What makes luxury floor plans special isn't just their size – it's how they use that space. Open-concept designs create natural flow between your kitchen, dining, and living areas, making even modest-sized apartments feel generous. Floor-to-ceiling windows bring Chicago's legendary skyline right into your living room, while private balconies extend your living space outdoors.
"I never thought a 750-square-foot apartment could feel so spacious," shares one resident. "The layout makes such smart use of every inch."
Clever design touches abound in these thoughtfully crafted homes. Kitchen islands create natural gathering spaces for friends and family. Walk-in closets with custom organization systems keep everything in its place. Primary bathrooms feature dual vanities and oversized showers that turn your morning routine into a spa-like experience.
Ready to see these beautiful spaces for yourself? Explore our floor plans to find your perfect match at The Wilmore.
Budgeting for Luxury
When setting your housing budget for luxury apartments in Streeterville Chicago or Uptown, it's smart to look beyond just the base rent. Understanding the full financial picture helps avoid surprises and ensures you're getting the luxury experience you deserve.
Most luxury buildings bundle certain utilities into your monthly payment. This typically includes water and trash removal, with some properties also covering heat. For internet and cable, many buildings (including The Wilmore) have established partnerships with providers, giving you access to preferential rates that can save hundreds annually compared to standard consumer packages.
Parking deserves special consideration in your budget planning. In downtown Chicago, garage parking is a valuable commodity, with monthly rates varying based on location and whether you choose reserved or unreserved options. Having secure, convenient parking just steps from your door is a luxury worth budgeting for, especially during Chicago's notorious winters.
Pet owners should factor in the standard pet deposit and monthly pet rent, but there's a hidden value proposition here too. When your building offers premium pet amenities like indoor relief areas and grooming stations, you'll save on external services that can quickly add up.
Moving into your luxury apartment involves some one-time expenses worth planning for. These typically include:
Security deposits (often equal to one month's rent), application fees to cover background checks, and move-in fees for elevator reservations and loading dock usage. The good news? Many luxury properties offer move-in specials that can significantly offset these initial costs, especially if you're flexible on lease terms.
At The Wilmore, we believe in transparent pricing and value. We're always happy to walk you through all costs associated with your new home so you can budget with confidence for your luxury lifestyle in Uptown Chicago.
Uptown Chic vs. Streeterville: Choosing Your Ideal Luxury Scene
Trying to decide between Uptown and Streeterville for your luxury apartment hunt? While Streeterville has traditionally held the spotlight for upscale high-rise living in Chicago, Uptown offers a refreshingly different luxury experience with its own unique character and charm. Let's explore what makes each neighborhood special to help you find your perfect Chicago home.
When you think of Streeterville, imagine the buzz of Michigan Avenue shopping just steps from your door, leisurely strolls to Navy Pier on sunny afternoons, and a dense concentration of fine dining and entertainment options. The area boasts convenient access to Northwestern Medical Campus and connects directly to Chicago's popular Lakefront Trail. It's urban living at its most polished and connected.
Uptown, meanwhile, tells a different but equally compelling story. Here, you'll find gorgeous historic architecture with art deco influences that simply can't be replicated in newer constructions. The neighborhood pulses with artistic energy centered around landmark theaters like the Riviera and Aragon. You'll enjoy more spacious, less crowded lakefront parks and a wonderfully diverse dining scene that reflects global influences. With the Red Line and express buses readily available, downtown is always just minutes away.
Both neighborhoods accept Lake Michigan, but with distinctly different vibes. Streeterville's lakefront tends to be more developed and activity-focused—think joggers, tourists, and busy energy. Uptown's shoreline offers more natural green space and quieter beaches where you can actually hear the waves lapping against the shore.
When it comes to getting around, Streeterville boasts a perfect 100 Transit Score with multiple bus routes crisscrossing the area. Uptown combines convenient Red Line train access with express bus service downtown, creating equally efficient commuting options but with a slightly different rhythm.
Perhaps the most meaningful difference lies in the cultural atmosphere. If Streeterville embodies polished urban sophistication, Uptown celebrates artistic diversity and historical character. Despite both neighborhoods offering similar luxury amenity packages, this distinction creates fundamentally different daily living experiences.
Why Uptown Delivers Comparable Luxury
Uptown has quietly emerged as a compelling alternative to Streeterville for discerning luxury apartment seekers. Properties like The Wilmore Apartments by Flats® perfectly demonstrate this evolution, delivering premium living experiences within Uptown's unique cultural context.
What makes Uptown increasingly competitive in the luxury market? For starters, the architectural heritage is best. Unlike Streeterville's predominantly modern glass towers, Uptown boasts historic buildings thoughtfully transformed into luxury residences. These properties feature character-rich details like terrazzo floors, decorative moldings, and grand lobbies that simply can't be replicated in new construction.
Uptown also leads the way in offering ARO affordable options within luxury developments. This creates more inclusive, diverse communities while maintaining premium amenities for all residents—a balance that enriches the neighborhood experience for everyone.
The arts and entertainment scene adds another layer of appeal. The neighborhood's entertainment district centers around landmark venues like the Riviera Theatre, Aragon Ballroom, and the historic Green Mill Jazz Club (once a favorite of Al Capone). Imagine having world-class performances just a short walk from your front door.
When it comes to outdoor space, Uptown's lakefront advantages are significant. Montrose Beach and Harbor offer more expansive recreational areas than Streeterville's urban shoreline, with dedicated dog beaches, bird sanctuaries, and sailing facilities creating diverse outdoor experiences. On summer weekends, you'll appreciate having a little more breathing room by the water.
Perhaps most compelling for many luxury seekers is the value proposition. While maintaining high-end standards, Uptown properties often deliver more square footage and amenity space per dollar compared to equivalent Streeterville offerings. Your luxury budget simply goes further here.
The Wilmore Apartments by Flats® embodies these advantages through thoughtful design that honors architectural heritage while incorporating contemporary luxury features. The property seamlessly integrates into Uptown's vibrant cultural landscape while providing all the premium finishes and amenities you'd expect in luxury living.
Leasing & Move-In Guide
Finding your perfect home at luxury apartments in Streeterville Chicago or in vibrant neighborhoods like Uptown is an exciting journey. At The Wilmore Apartments by Flats®, we've designed a straightforward process to help you settle into your new space with minimal stress and maximum excitement.
Starting your journey is simple. Most luxury buildings, including The Wilmore, offer several tour options to fit your schedule and comfort level. You can walk through the property with a friendly leasing professional who'll answer questions in real-time, explore at your own pace with a self-guided tour, join a virtual tour from anywhere in the world, or watch detailed video tours when it's convenient for you.
Once you've fallen in love with your future home, the application process begins. While thorough, we've streamlined everything to be efficient and transparent. You'll need to provide basic identification, income verification (typically 2.5-3x the monthly rent), and consent to standard credit and background checks. Our team reviews rental history and employment information to ensure all residents contribute to our vibrant community atmosphere.
"The application process was so much smoother than I expected," shares a recent resident. "Everything was digital, and I could track my status the whole way through."
Modern luxury buildings have acceptd technology to make lease signing painless. Digital documents allow you to review terms carefully from anywhere, while electronic signatures eliminate the need for printing and scanning. Our team is always available to explain policies and answer questions before you commit.
Step-by-Step Application
The application journey for luxury apartments in Streeterville Chicago and upscale Uptown residences follows a clear path designed to be thorough yet efficient. At The Wilmore Apartments by Flats®, we've refined each step to create a positive experience.
Your journey begins with the initial application submission. You'll complete our user-friendly online form, provide government-issued photo ID, and pay a modest application fee (typically $50-75 per applicant). This authorizes our team to conduct standard background and credit evaluations to ensure community compatibility.
Documentation requirements are straightforward but comprehensive. You'll need to show proof of income through recent pay stubs, offer letters, or tax returns. Bank statements demonstrating sufficient reserves provide additional financial assurance. We'll also request contact information for previous landlords and personal references to create a complete picture.
The timeline moves quickly from there:
- Initial review typically completes within 24-48 hours
- Full approval process wraps up in 2-3 business days
- Lease documents are prepared within 1-2 business days after approval
Once approved, securing your apartment is simple. You'll review and sign your lease agreement, submit your security deposit or move-in fee, provide proof of renter's insurance coverage, and schedule your move-in date. Our online portal keeps you informed throughout the process, eliminating the anxiety of wondering where things stand.
Most luxury buildings maintain similar qualification standards, including credit scores typically 650+, income verification at 2.5-3x monthly rent, clean rental history, and standard background checks. These consistent expectations create communities where neighbors share similar commitments to responsible residency.
Smooth Move-In Services
The difference between standard apartments and luxury apartments in Streeterville Chicago or premium Uptown residences like The Wilmore becomes crystal clear on moving day. Our white-glove move-in experience transforms what could be a stressful transition into a warm welcome to your new home.
Before your arrival, you'll connect with a dedicated move-in coordinator who becomes your personal guide. They'll provide digital move-in guides custom to our building, handle elevator and loading dock reservations, and offer recommendations for trusted moving services if needed. This preparation eliminates common moving day headaches before they begin.
On the big day, you'll notice the difference immediately. Our team installs protective coverings for elevators and common areas, staff members are stationed to assist with access and directions, and our climate-controlled unloading areas keep you comfortable regardless of Chicago's unpredictable weather. Many residents appreciate our flexible hours for move-ins, accommodating various schedules and moving company availability.
The welcome experience sets the tone for your residency. Your personal apartment orientation helps you get familiar with your new space, while our team assists with technology setup for building apps and smart home features. Your welcome package includes neighborhood essentials and introductions to key staff members who'll be part of your daily living experience.
"I couldn't believe how easy they made everything," notes a recent Wilmore resident. "From the moment the moving truck arrived until I was settled in that evening, the team anticipated every need."
Our attention doesn't end once the boxes are unpacked. Our post-move follow-up includes a quality assurance check of your apartment, immediate resolution of any maintenance needs, guidance on amenity usage, and introductions to community events that help you connect with neighbors.
These thoughtful touches reflect our belief that extraordinary service should begin from day one. At The Wilmore Apartments by Flats®, we're not just providing a place to live—we're welcoming you home.
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Frequently Asked Questions about Luxury Living in Chicago
How pet-friendly are luxury towers in Uptown and Streeterville?
Let's face it – our furry friends are family members, not just pets. That's why luxury buildings in both Uptown and Streeterville have acceptd pet-friendly policies that go beyond simply "allowing" animals.
At The Wilmore Apartments by Flats® in Uptown, pets receive the VIP treatment with thoughtfully designed spaces that consider their needs just as carefully as human residents. Most luxury apartments in Streeterville Chicago follow similar approaches, though The Wilmore stands out with particularly comprehensive pet amenities.
What can pet parents expect? Typically, buildings welcome up to two pets per apartment, though they do maintain some breed restrictions based primarily on size and insurance requirements. The standard fee structure includes a one-time non-refundable fee (usually between $300-400) and a monthly pet rent (around $25-35).
Where luxury buildings truly shine is in their dedicated pet amenities. From relief areas and indoor/outdoor runs to professional-grade grooming stations, these spaces ensure your four-legged companion enjoys the building as much as you do. Many properties, including The Wilmore, even coordinate with local dog walkers, pet sitters, and veterinary services to make pet parenthood as convenient as possible.
What is the average lease length for high-rise luxury apartments?
Flexibility is increasingly important for today's renters, and luxury buildings have responded accordingly. While 12-month leases remain the standard offering in both luxury apartments in Streeterville Chicago and Uptown properties, many buildings now provide alternatives to fit diverse needs.
For those seeking shorter commitments, select buildings offer 3-6 month terms, though typically at a premium rate to offset turnover costs. On the flip side, if you're planning to stay awhile, 15-18 month leases often come with modest rent discounts as an incentive for longer residency.
The Wilmore Apartments by Flats® takes personalization seriously, offering customized lease terms designed around resident needs rather than rigid policies. This approach reflects their broader commitment to service that adapts to residents rather than the other way around.
Most luxury buildings require 60-day notice for non-renewal – a longer window than the standard 30 days in conventional apartments. This extended notice period gives residents ample time to plan their next steps while allowing properties to prepare thoughtfully for transitions.
Do luxury buildings offer furnished or short-term options?
When life brings you to Chicago temporarily – whether for work, medical rotations, or while exploring neighborhoods before committing long-term – furnished options can be a lifesaver. The availability of these accommodations varies significantly between properties in both Uptown and luxury apartments in Streeterville Chicago.
Some buildings specialize entirely in furnished residences with flexible terms, typically starting at 30-day minimums to comply with residential zoning regulations. Others maintain partnerships with corporate housing providers who lease and furnish units specifically for short-term residents, ensuring professional management of these specialized accommodations.
The most comprehensive properties offer their own in-house furnished unit programs with premium services included – think housekeeping, dedicated concierge, and even welcome packages custom to temporary residents.
The Wilmore Apartments by Flats® takes a partnership approach, connecting interested residents with trusted furnished housing providers to ensure quality accommodations even for shorter stays. This network approach means residents benefit from professional furnishing services while enjoying The Wilmore's exceptional amenities and location.
These flexible options have particular appeal for several groups: corporate relocations, medical professionals on rotation, extended business projects, home renovation transitions, and newcomers exploring Chicago neighborhoods before making a long-term commitment.
Conclusion
Finding your perfect Chicago luxury home isn't just about stunning views and premium finishes – it's about finding a space that truly improves your everyday life. Throughout this guide, we've seen how luxury apartments in Streeterville Chicago set certain standards for upscale living, but Uptown offers its own distinctive charm and character that many find irresistible.
Uptown's vibrant arts scene, historic architecture, and quieter lakefront create a lifestyle that balances urban energy with neighborhood warmth. The area delivers all the hallmarks of luxury living – sophisticated design, premium amenities, and exceptional service – while adding its unique cultural fingerprint to the experience.
The Wilmore Apartments by Flats® stands as a perfect example of what makes Uptown special. Here, you'll find thoughtfully designed spaces that honor architectural heritage while embracing modern convenience. The community seamlessly blends wellness facilities, social spaces, and practical amenities to support your lifestyle needs, whether you're working from home, entertaining friends, or simply relaxing after a busy day.
What truly sets The Wilmore apart is its commitment to creating an inclusive community. With ARO affordable options alongside premium residences, the property fosters a diverse neighborhood feel that many find more authentic than some downtown alternatives.
When you're ready to make your move to luxury living in Chicago, remember these practical tips:
Take time to experience Uptown at different hours – grab coffee at a local café, walk along the lakefront trail, or catch a show at one of the historic theaters. These neighborhood moments will give you a genuine feel for daily life that no virtual tour can capture.
Pay attention to how the building staff interacts with residents during your visit. Their warmth and responsiveness often reveal more about the living experience than any amenity list could.
Consider your daily routines and how a building's location and features might improve them. Perhaps the dog run saves you an extra walk each day, or the co-working space eliminates your commute entirely.
The perfect luxury home balances practical needs with those special touches that bring joy to everyday living. In Uptown, you'll find spaces that respect your individuality while connecting you to a vibrant community.
We invite you to explore The Wilmore Apartments by Flats® in greater depth and find how this exceptional property could become your next Chicago home. With its thoughtful blend of luxury, location, and lifestyle, The Wilmore represents the best of what Uptown has to offer.