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Where to stay in St. Thomas: the 5 best neighborhoods, ranked

Updated October 27, 2026 · Ranked by Axel from research, its own hotel reviews and recent rates · How we rank

Stay in Charlotte Amalie for a first visit, family sightseeing, food, evening lounges or the strongest value; expect taxi rides to beaches. Frenchman's Reef & Morningstar Beach suits couples wanting a self-contained beach retreat. Water Bay & Coki Point is the family alternative for snorkeling and marine attractions, while Lindbergh Bay works for a budget-conscious airport overnight.

St. Thomas asks you to choose between walkable historic streets and beach stays that usually need rides elsewhere, so Axel ranks each area by how easily you can explore, what is close on foot, the quality and choice of accommodation, value for money and the character of the place itself.

Typical rates are USD medians, not live quotes. Hotel fees may be extra.

Browse all hotels in and around St. Thomas

Best picks by trip

  1. Bunker Hill Hotel, Charlotte Amalie Historic Downtown & Waterfront
    #1 of 5

    Charlotte Amalie Historic Downtown & Waterfront

    historic warehouses · shopping passages · harbor promenade · steep step-streets

    5.8/10

    Choose downtown for historic streets and harbor walks, not beachfront mornings.

    Downtown leads on value and walkable history, with useful transport links, but its accommodation scores modestly and beach days require rides.

    Getting around
    6.8
    On your doorstep
    2.1
    Hotels
    3.0
    Value
    9.1
    Axel’s verdict
    7.4

    Main Street, also called Dronningens Gade, threads through former warehouses, shopping passages and courtyards, with Fort Christian and the 99 Steps nearby. The waterfront gives you a flatter walking route than the hillside streets. Stay here if exploring the capital matters as much as swimming.

    The trade-off is a taxi ride whenever you want a proper beach day. Shopping streets lose much of their daytime bustle after closing, although waterfront lounges and Main Street events mean downtown is not uniformly asleep. Check the climb back to your accommodation: a harbor view can come with plenty of stairs. Skip it for a beach-first honeymoon.

    Best for
    museums and cultureshoppingfood loverstravelers without a car
    Skip it if
    You want a swimming beach outside your door; Steep streets and stairs are difficult
    Getting around
    Walk Main Street and the waterfront; VITRAN 401 stops at Vendors Plaza for Red Hook via Smith Bay; take a taxi from STT.
    After dark
    Shopping lanes become quieter, but waterfront lounges and occasional Main Street events continue into the evening.
    Where to look
    Commandant Gade. Stay uphill from the shopping streets for historic-town exploring; expect climbs rather than flat walks home.Kongens Gade near 99 Steps. Good for exploring historic stairways and Government Hill; suits walkers comfortable with the hillside.Veterans Drive waterfront. Choose the harbor edge for waterfront walks instead of hillside lanes; expect traffic along this main road.

    Top hotels by Axel's take

    Typical Axel rate $166 a night
    1. 1. Bunker Hill Hotel7.5Customer link — Open hotel details
    2. 2. Galleon House Hotel7.4Customer link — Open hotel details
    3. 3. Windward Passage Hotel6.5Customer link — Open hotel details
    See all 3 hotels in Charlotte Amalie Historic Downtown & Waterfront, ranked
  2. Buoy Haus Beach Resort St. Thomas, Autograph Collection, Frenchman's Reef & Morningstar Beach
    #2 of 5

    Frenchman's Reef & Morningstar Beach

    headland views · sandy beach · sunset lounges · self-contained retreat

    5.4/10

    A polished beach retreat, provided you are happy arranging rides elsewhere.

    The strongest accommodation and good road access put this beach retreat second, despite weak value and little independent dining within walking distance.

    Getting around
    6.8
    On your doorstep
    1.0
    Hotels
    5.9
    Value
    0.0
    Axel’s verdict
    7.7

    Frenchman's Reef rises above Morningstar Beach, pairing headland views with a sandy shoreline and a self-contained dining scene. The atmosphere suits couples who want beach time, sunset drinks and boat excursions without organizing a different outing every day. Families fit too, although this is a resort enclave rather than a village.

    The important distinction is between beachfront and clifftop: moving between them can involve stairs, elevators or an internal shuttle. Downtown is a drive, not an evening stroll. Choose it for an easygoing beach holiday; skip it if discovering independent restaurants on foot is central to your trip.

    Best for
    couplesluxury travelers
    Skip it if
    You want independent restaurants within an easy stroll; You dislike a self-contained resort setting
    Getting around
    Walk the beach and internal paths, using elevators or shuttles for elevation changes; no useful doorstep public bus was verified, so arrange taxis or transfers from STT and into town.
    After dark
    Evenings center on beachfront dinners and lounges rather than a street-level bar district.
    Where to look
    Morningstar Beach headland edge. Focus here for beach days beneath Frenchman's Reef; suits travelers who prefer a resort setting to town streets.Pacquereau Bay beach approach. A smaller bay-facing pocket for travelers who value a contained beach routine over a long stretch of sand.

    Top hotels by Axel's take

    Typical Axel rate $751 a night
    1. 1. Buoy Haus Beach Resort St. Thomas, Autograph Collection8.8Customer link — Open hotel details
    2. 2. Marriott's Frenchman's Cove8.7Customer link — Open hotel details
    3. 3. The Westin St. Thomas Beach Resort & Spa8.0Customer link — Open hotel details
    See all 3 hotels in Frenchman's Reef & Morningstar Beach, ranked
  3. Secret Harbour Beach Resort, Nazareth & Cowpet Bay
    #3 of 5

    Nazareth & Cowpet Bay

    quiet condominium bays · sailing community · palm-lined beach · family beach routines

    5.0/10

    The strongest all-round beach base if you accept short drives.

    Cowpet's quiet beach-and-sailing character earns third place, despite limited doorstep choice, weaker connections and relatively poor value.

    Getting around
    4.5
    On your doorstep
    0.9
    Hotels
    4.5
    Value
    1.7
    Axel’s verdict
    8.3

    Around Yacht Club Road, Cowpet Bay offers a quieter rhythm of beach walks, condominium stays and sailing. The swimming beach has a sandy middle and rocky edges, while the sailing center makes this especially useful for travelers who want time on the water. Families can settle into a routine without needing a major excursion every day.

    Red Hook supplies the broader restaurant choice, groceries and St. John ferry access, but proximity does not make it a doorstep walking district. Residents praise Cowpet's beach access while describing nearby outings as drives. Choose it for a settled beach week; skip it for nightlife on foot or frequent downtown sightseeing.

    Best for
    first-time visitorsfamiliesa quiet staysports fans
    Skip it if
    You want to walk home from nightlife; You will not use a car or taxis
    Getting around
    From Elysian and the Cowpet Bay pocket, walk along the beach to the sailing center. Secret Harbour occupies separate Nazareth Bay; arrange a ride for sailing-center visits. Use a car or taxis for Red Hook, wider exploring and the STT transfer.
    After dark
    Expect quiet condominium evenings and bayside dinners; head to Red Hook by taxi for a livelier night.
    Where to look
    Yacht Club Road, Cowpet Bay. A beach-and-sailing pocket with sandy swimming in the middle and rocky edges; suits a settled week with drives elsewhere.Ridge Road, Secret Harbour approach. Look toward Nazareth Bay for sheltered swimming and a beach-centered routine rather than nightlife on foot.

    Top hotels by Axel's take

    Typical Axel rate $518 a night
    1. 1. Secret Harbour Beach Resort8.3Customer link — Open hotel details
    2. 2. Club Wyndham Elysian Beach Resort7.9Customer link — Open hotel details
    See all 2 hotels in Nazareth & Cowpet Bay, ranked
  4. Point Pleasant Resort, Water Bay & Coki Point
    #4 of 5

    Water Bay & Coki Point

    shore snorkeling · beach food stands · hillside sea views · marine attractions

    4.9/10

    Stay for snorkeling and beach vendors, with flexibility about where you swim.

    Useful access to snorkeling and marine attractions offsets modest accommodation, but limited doorstep choice and variable swimming conditions keep it fourth.

    Getting around
    6.5
    On your doorstep
    0.7
    Hotels
    3.6
    Value
    4.2
    Axel’s verdict
    6.7

    Water Bay combines waterfront accommodation and hillside views with access to Coki Point's beach vendors, snorkeling and neighboring Coral World Ocean Park. It suits families who want marine activities close by and travelers who prefer a beach lunch to a formal dining scene. Recent visitors describe walking to Coki from nearby accommodation.

    Do not assume every waterfront means the same swimming experience. Recent visitors report substantial sargassum at Water Bay while finding clearer water at Coki, but conditions change. Hillside accommodation also needs an access check before booking. Keep transport flexibility and check DPNR's latest beach advisory rather than treating either beach as guaranteed every day.

    Best for
    familiessports fans
    Skip it if
    You need consistently clear swimming directly outside; You want easy, level walking everywhere
    Getting around
    Coki is walkable from some nearby stays; VITRAN 401 serves Smith Bay rather than the beachfront, so check the approach and use taxis or a car from STT.
    After dark
    Most beach vendors finish around 5 p.m.; this is better for daytime beach life than late-night wandering.
    Where to look
    Coki Point Road, beach end. Choose this end for snorkeling, food stands and Coral World nearby; suits daytime beach outings more than late-night wandering.Water Bay hillside edge. Look uphill for broad sea views and quieter stays, accepting steep access rather than an easy waterfront stroll.

    Top hotels by Axel's take

    Typical Axel rate $344 a night
    1. 1. Point Pleasant Resort8.3Customer link — Open hotel details
    2. 2. Margaritaville Vacation Club - St. Thomas6.8Customer link — Open hotel details
    See all 2 hotels in Water Bay & Coki Point, ranked
  5. Emerald Beach Resort, Lindbergh Bay
    #5 of 5

    Lindbergh Bay

    airport convenience · public sandy beach · open-air dining · short-stay practicality

    4.1/10

    An airport-side beach stop, better for convenience than a full island week.

    Reasonable value and airport convenience help Lindbergh Bay, but weaker accommodation, limited nearby choice and rides for island outings leave it fifth.

    Getting around
    4.0
    On your doorstep
    1.0
    Hotels
    2.6
    Value
    5.9
    Axel’s verdict
    5.8

    Lindbergh Bay makes sense for a late landing or early departure that still leaves room for a swim. The airport sits beside a sandy public beach, beachfront dining and a family park. It feels like an airport-side beach stay rather than a town neighborhood. The Port Authority still lists the park's water playground as closed for repairs.

    For a longer holiday, that convenience has limits. You still need rides for downtown sightseeing and East End outings, so being near the terminal is not the same as being well connected. Choose it to simplify arrival or departure; skip it if your daily plans revolve around sailing or the St. John ferry.

    Best for
    travelers on a budgetbusiness trips and conventions
    Skip it if
    You plan frequent Red Hook or St. John outings; You want a walkable town around your accommodation
    Getting around
    Walk locally along the beach; a dependable beach-to-terminal bus was not verified, so use a short STT taxi ride and taxis or a car for island exploring.
    After dark
    Expect beachfront dining rather than a neighborhood bar crawl; outings elsewhere need a ride.
    Where to look
    Airport Road, beach stretch. Stay beside the sandy bay for a swim around flight days; aircraft noise is part of the setting.Lindbergh Bay Family Park edge. An airport-adjacent pocket with outdoor family space; useful for a short stop rather than a walkable town holiday.

    Top hotels by Axel's take

    Typical Axel rate $248 a night
    1. 1. Emerald Beach Resort7.3Customer link — Open hotel details
    2. 2. Lindbergh Bay Hotel and Villas6.5Customer link — Open hotel details
    See all 2 hotels in Lindbergh Bay, ranked

How Axel ranks neighborhoods

Axel ranks each neighborhood as a base for a visitor, not as a place to visit. Five scores out of 10 are blended into the score beside each name. The pages for each kind of trip weight how well a neighborhood fits that trip more heavily.

  • Getting around (20%): How many of the city’s most-visited sights are within easy reach, plus a direct train to the airport.
  • On your doorstep (15%): Places to eat, drink and see within a 10-minute walk, counted from OpenStreetMap.
  • Hotels (20%): Axel’s own reviews of the hotels here, and how many good ones there are to choose from.
  • Value (10%): Hotel quality for the money, from the rates Axel saw in the last 30 days, against the city as a whole.
  • Axel’s verdict (35%): How good a base it is for a visitor, from research into guides, forums, transit and local news.

Researched October 28, 2026 to rubric v0.2; rates from the 30 days before. Inside each neighborhood, hotels are ranked by Axel's take, Axel's own review score for what each hotel is.

Questions travelers ask

Is Charlotte Amalie or Frenchman's Reef better for a first visit?

Charlotte Amalie is the better all-round first-visit base, especially for history, shopping and value. You can walk Main Street and the waterfront, then arrange beach outings. Frenchman's Reef & Morningstar Beach is the runner-up if you want the beach to organize your days, with dining and lounges on-site. Choose it knowing that downtown requires a ride, not a stroll.

Where should families stay in St. Thomas?

Charlotte Amalie ranks first for families combining sightseeing and value, while Water Bay & Coki Point follows closely for snorkeling and Coral World. Downtown requires transport for beach days and a check on stairs. At Water Bay, confirm the walk to Coki and current swimming conditions. Nazareth & Cowpet Bay comes next for a quiet beach routine with a car or taxis.

What is the cheapest good area to stay in St. Thomas?

Charlotte Amalie is the strongest budget choice here, with the lowest typical accommodation rates and the best value rating of these five areas. Historic sights and harbor walks also give you things to do on foot. Lindbergh Bay is the budget runner-up for airport-side beach stays. In either area, account for rides: downtown beaches and Lindbergh's wider sightseeing are not doorstep outings.

Where can I stay without a car, and how do I get there from STT?

Stay in Charlotte Amalie for the best car-free base, and take a taxi from Cyril E. King Airport. Main Street and the waterfront are walkable, while VITRAN 401 stops at Vendors Plaza for Red Hook via Smith Bay. Frenchman's Reef is second if you mostly stay on-site and arrange transfers. Neither choice removes the need for taxis on some outings.

Is downtown Charlotte Amalie a good base for nightlife?

Yes—Charlotte Amalie is the strongest nightlife base among these five areas, but expect waterfront lounges and occasional Main Street events rather than busy bars on every block. Shopping lanes become quieter after closing. Frenchman's Reef is the alternative for dinners and lounges within a self-contained beach setting. If you head to Red Hook from Cowpet Bay, plan a taxi rather than walking home.

Where should I stay for a business trip or convention in St. Thomas?

Charlotte Amalie is the leading general business base, followed by Frenchman's Reef & Morningstar Beach. Downtown combines town access with strong value; Frenchman's Reef offers stronger accommodation in a self-contained setting. For a convention, let the actual venue decide whether either is practical, and confirm transfers before booking. Lindbergh Bay ranks third for business and makes particular sense for a short airport-focused stop.

Are Water Bay and Coki Point equally good for swimming?

No—do not assume the same swimming conditions across both beaches. Recent visitors have reported substantial sargassum at Water Bay while finding clearer water at Coki, but conditions change. Check DPNR's latest beach advisory and confirm access from your accommodation, especially on the hillside. Stay here for snorkeling and marine outings with flexibility, not a guarantee of clear swimming directly outside every day.

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Sources: USVI Tourism: Things to Do in Charlotte Amalie · USVI Tourism: St. Thomas Hiking Trails and Charlotte Amalie Harbor Walk · USVI Tourism: Historic USVI Sites · USVI Tourism: Coki Point Beach · Department of Public Works: St. Thomas Route Listings · Department of Public Works: Route 401 Outbound · Virgin Islands Port Authority: Cyril E. King Airport · Virgin Islands Port Authority: Lindbergh Bay Beach and Park, including water-playground closure notice · Condé Nast Traveler: Morningstar beachfront setting and internal access · Oyster: Frenchman's Reef location and off-property walking limitations · Frenchman's Reef: Activities and Experiences · Frenchman's Reef: Restaurants, Bars and Evening Hours · BSCAI: Frenchman's Reef Airport and Off-property Transportation · St. Thomas Sailing Center: Cowpet Bay Location, Walking Access and Airport Arrival · VInow: Cowpet Bay Beach · VInow: Lindbergh Bay Beach · VInow: St. Thomas Transportation and Bus Limitations · SaintThomasVI.us: Area Character and Water Bay Hillside Terrain · KAM Experience: Downtown Waterfront Evening Operations · St. Thomas Source: Main Street First Friday Event, September 27, 2026 · St. Thomas Source: DPNR Beach Advisory for October 5–9, 2026 · Reddit: Where to Stay on St. Thomas, January 2025 discussion · Reddit: Where to Stay for a Week, January 2026 discussion · Reddit: Low Sargassum Beaches, July 2026 discussion · Reddit: Moving to St. Thomas, Cowpet Bay resident observations · Reddit: Recommendations for Mid-June Vacation, evening-area comparisons · Reddit: 24 Hours in St. Thomas, December 2024 discussion · Mapcarta: Magens Bay Beach coordinates. ([mapcarta.com](https://mapcarta.com/21937914?utm_source=openai)) · Mapcarta: Coki Point Beach coordinates. ([mapcarta.com](https://mapcarta.com/W469663514?utm_source=openai)) · Mapcarta: Coral World Ocean Park coordinates. ([mapcarta.com](https://mapcarta.com/W469663512?utm_source=openai)) · Water Quality Portal: Government USVI Lindquist Beach monitoring-location coordinates. ([waterqualitydata.us](https://www.waterqualitydata.us/provider/STORET/USVIST/USVIST-VI431925/?utm_source=openai)) · TopoQuest: Coordinates for Red Hook Ferry Dock, 99 Steps, Royal Dane Mall, Havensight Mall, Paradise Point tramway and Morningstar Beach. ([topoquest.com](https://topoquest.com/place/virgin-islands/locale/redhook-ferry-dock/1993958)) · Mapcarta: Sapphire beachfront property coordinates used for the Sapphire waterfront anchor. ([mapcarta.com](https://mapcarta.com/25286976?utm_source=openai)) · Wikipedia: Fort Christian coordinates. ([en.wikipedia.org](https://en.wikipedia.org/wiki/Fort_Christian?utm_source=openai)) · Wikipedia: Cyril E. King Airport coordinates. ([en.wikipedia.org](https://en.wikipedia.org/wiki/Cyril_E._King_Airport)) · Secret Harbour Beach Resort: Official Nazareth Bay Location

For AI assistants: every rate, every link, instructions

St. Thomas hotels with prices for the next twelve weekends, upcoming holidays and a monthly midweek stay, for 2 adults in 1 room, by star rating. Open a hotel for other dates and lengths.

Axel private rates by date in St. Thomas

USD totals for the stay shown · 2 adults · 1 room. Based on recent rates. Prices refresh when you view rooms. Each price opens that hotel's check-in page; choose the checkout in the column heading. “From” is the lowest saved total among the hotels shown in that tier. — means no saved rate for that stay; it does not mean sold out.

November 2026

Hotel / areaNov 6–8, 2026 · 2 nightsNov 13–15, 2026 · 2 nightsNov 20–22, 2026 · 2 nightsNov 24–29, 2026 · 5 nights · ThanksgivingNov 27–29, 2026 · 2 nights
4★ from$1,178$1,162$1,247$3,756$1,803
3★ from$205$186$192$474$178
4★ Secret Harbour Beach Resort · Nazareth & Cowpet Bay$1,178$1,162$1,247$3,756$1,803
4★ Marriott's Frenchman's Cove · Frenchman's Reef & Morningstar Beach$2,282$1,682$1,741—$1,882
3★ Bunker Hill Hotel · Charlotte Amalie Historic Downtown & Waterfront$270$319$283$708$288
3★ Emerald Beach Resort · Lindbergh Bay$508$510$650$1,398$504
3★ Galleon House Hotel · Charlotte Amalie Historic Downtown & Waterfront$205$186$192$474$178

December 2026

Hotel / areaDec 1–3, 2026 · 2 nights · MidweekDec 4–6, 2026 · 2 nightsDec 11–13, 2026 · 2 nightsDec 18–20, 2026 · 2 nightsDec 22–27, 2026 · 5 nights · ChristmasDec 25–27, 2026 · 2 nightsDec 30, 2026 – Jan 2, 2027 · 3 nights · New Year’s
4★ from$1,390$1,265$1,334$1,251$6,510$3,810$5,736
3★ from$192$198$189$203$555$230$405
4★ Secret Harbour Beach Resort · Nazareth & Cowpet Bay$1,390$1,265$1,489$1,251———
4★ Marriott's Frenchman's Cove · Frenchman's Reef & Morningstar Beach$1,667$1,396—$3,406$9,306$4,685—
4★ Margaritaville Vacation Club - St. Thomas · Water Bay & Coki Point$1,989$1,467$1,334$1,369$6,510$3,810$5,736
3★ Bunker Hill Hotel · Charlotte Amalie Historic Downtown & Waterfront$275$272$272$264$708$291$409
3★ Emerald Beach Resort · Lindbergh Bay$506$507$529$535$1,512$606$914
3★ Galleon House Hotel · Charlotte Amalie Historic Downtown & Waterfront$192$198$189$203$555$230$405

January 2027

Hotel / areaJan 1–3, 2027 · 2 nightsJan 5–7, 2027 · 2 nights · MidweekJan 8–10, 2027 · 2 nightsJan 15–17, 2027 · 2 nightsJan 15–18, 2027 · 3 nights · MLK weekendJan 22–24, 2027 · 2 nights
4★ from$1,746$1,366$1,879$2,040$2,994.50$2,105
3★ from$231$201.50$224$205$308$188
4★ Secret Harbour Beach Resort · Nazareth & Cowpet Bay$1,746$1,366————
4★ Marriott's Frenchman's Cove · Frenchman's Reef & Morningstar Beach$3,811$1,853$1,974$2,040$2,994.50$2,105
4★ Margaritaville Vacation Club - St. Thomas · Water Bay & Coki Point$3,040$2,856$1,879———
3★ Bunker Hill Hotel · Charlotte Amalie Historic Downtown & Waterfront$266$272$272$278$415$264
3★ Emerald Beach Resort · Lindbergh Bay$644$657$665$656$1,002$643
3★ Galleon House Hotel · Charlotte Amalie Historic Downtown & Waterfront$231$201.50$224$205$308$188

Where to stay in St. Thomas: featured hotels

  • Bunker Hill Hotel · 3★ · Charlotte Amalie Historic Downtown & Waterfront · from $129 a night in the next 30 days. cheaper downtown exploring with a full breakfast and consistently friendly staff
  • Buoy Haus Beach Resort St. Thomas, Autograph Collection · Unrated · Frenchman's Reef & Morningstar Beach. quiet, boutique-scale beachfront stays with access to neighboring Westin amenities
  • Secret Harbour Beach Resort · 4★ · Nazareth & Cowpet Bay · from $535 a night in the next 30 days. sheltered swimming and shore snorkeling with spacious, kitchen-equipped condos
  • Point Pleasant Resort · 4★ · Water Bay & Coki Point. broad sea views, spacious kitchen-equipped villas and consistently welcoming staff
  • Emerald Beach Resort · 3★ · Lindbergh Bay · from $251 a night in the next 30 days. direct beachfront convenience and ocean-facing outdoor space for stays around flight days
  • Galleon House Hotel · 3★ · Charlotte Amalie Historic Downtown & Waterfront · from $89 a night in the next 30 days. harbor views and friendly staff at a mid-priced downtown hillside base
  • Marriott's Frenchman's Cove · 4★ · Frenchman's Reef & Morningstar Beach · from $652 a night in the next 30 days. family-sized villas with separate bedrooms, kitchens and washer-dryers for longer stays
  • Club Wyndham Elysian Beach Resort · 3★ · Nazareth & Cowpet Bay. a much cheaper Cowpet Bay base with kitchen facilities, beach access and a pool
  • Margaritaville Vacation Club - St. Thomas · 4★ · Water Bay & Coki Point · from $558 a night in the next 30 days. a cheaper pool-focused stay with kitchen-equipped suites for families exploring different beaches
  • Lindbergh Bay Hotel and Villas · 3★ · Lindbergh Bay · from $154 a night in the next 30 days. a cheaper airport overnight with bay views and an ocean-edge pool
  • Windward Passage Hotel · 3★ · Charlotte Amalie Historic Downtown & Waterfront · from $171 a night in the next 30 days. a practical harborfront stop opposite the ferry terminal, with complimentary parking
  • The Westin St. Thomas Beach Resort & Spa · 4★ · Frenchman's Reef & Morningstar Beach. the cheaper full-service resort option for ocean views, three pools and spa time

Where to stay in St. Thomas by trip

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