--- title: "Swiss Cross-Border Worker Guide" url: https://www.ibani.com/en/guides/cross-border-worker lang: en date_modified: 2026-11-09 --- # Swiss Cross-Border Worker Guide Expert insights on navigating life between two countries: employment, finance, and administration. Day to day, that also means [converting your Swiss francs into euros](https://www.ibani.com/en/currency-converter/chf-to-eur-rate) at the real market exchange rate, plus a margin of 0.40% to 0.15% depending on the amount. ## Latest Cross-Border Guides [![Widow's or old-age pension: the 30-day choice | ibani](https://www.ibani.com/images/rente-veuve-ou-vieillesse-courrier-13e-rente-30-jours.png)](https://www.ibani.com/en/guides/widows-pension-or-old-age-pension-13th-ahv-30-days) ### [Widow's or old-age pension: the 30-day choice | ibani](https://www.ibani.com/en/guides/widows-pension-or-old-age-pension-13th-ahv-30-days) Letter from your AVS fund: keep the widow's pension or switch to the old-age pension with the 13th pension. 12 versus 13 monthly payments, 30-day deadline. [Read article](https://www.ibani.com/en/guides/widows-pension-or-old-age-pension-13th-ahv-30-days) Updated on: 9 November 2026 [![Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal](https://www.ibani.com/images/three-pillar-system-og-image.jpg)](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system) ### [Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system) Swiss pension 2026: entry threshold CHF 22,680, coordination deduction CHF 26,460, minimum rate 1.25%, conversion rate 6.8%. Pension or lump sum. [Read article](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system) Updated on: 6 November 2026 [![Swiss pension abroad: payment dates, currency and tax | ibani](https://www.ibani.com/images/percevoir-rente-suisse-etranger-devise.png)](https://www.ibani.com/en/guides/receive-swiss-pension-abroad-currency) ### [Swiss pension abroad: payment dates, currency and tax | ibani](https://www.ibani.com/en/guides/receive-swiss-pension-abroad-currency) AVS and LPP pensions paid outside Switzerland: payment dates, the 13th pension, currency by country, exchange costs, withholding tax and tax in your country. [Read article](https://www.ibani.com/en/guides/receive-swiss-pension-abroad-currency) Updated on: 3 November 2026 [![Existing or new Italian cross-border worker: which tax? | ibani](https://www.ibani.com/images/frontaliers-italiens-suisse-regime-fiscal.png)](https://www.ibani.com/en/guides/italian-cross-border-worker-old-new-tax-regime) ### [Existing or new Italian cross-border worker: which tax? | ibani](https://www.ibani.com/en/guides/italian-cross-border-worker-old-new-tax-regime) Resident of Italy employed in Ticino, Graubünden or Valais: how to tell whether you are an existing or a new cross-border worker, and what each regime makes you pay. [Read article](https://www.ibani.com/en/guides/italian-cross-border-worker-old-new-tax-regime) Updated on: 23 October 2026 [![CSG-CRDS for Cross-Border Workers 2026: Who Pays What | ibani](https://www.ibani.com/images/csg-crds-frontalier-suisse-cotisation-maladie.png)](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland) ### [CSG-CRDS for Cross-Border Workers 2026: Who Pays What | ibani](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland) CSG-CRDS, the 8% health contribution, boxes 6DD and 8SH: what a Swiss cross-border worker living in France really pays on salary and assets in 2026. [Read article](https://www.ibani.com/en/guides/csg-crds-cross-border-worker-switzerland) Updated on: 22 October 2026 [![Cross-border worker taxes in Switzerland: who taxes you | ibani](https://www.ibani.com/images/frontalier-suisse-impot.png)](https://www.ibani.com/en/guides/cross-border-worker-taxes-switzerland) ### [Cross-border worker taxes in Switzerland: who taxes you | ibani](https://www.ibani.com/en/guides/cross-border-worker-taxes-switzerland) Who taxes you? 8 cantons with no withholding for France, teleworking capped at 40% (France) or 25% (Italy), commuting on at least 20% of days (Germany). [Read article](https://www.ibani.com/en/guides/cross-border-worker-taxes-switzerland) Updated on: 22 October 2026 [![Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country](https://www.ibani.com/images/ibani-insurance-og.jpg)](https://www.ibani.com/en/guides/crossborder-worker-insurance) ### [Cross-Border Health Insurance 2025/2026: LAMal vs. Home Country](https://www.ibani.com/en/guides/crossborder-worker-insurance) Should you choose Swiss health insurance (LAMal) or your home country's system (CMU, GKV, SSN)? Discover the pros, cons, and our multi-country cost simulator. [Read article](https://www.ibani.com/en/guides/crossborder-worker-insurance) Updated on: 22 October 2026 [![Swiss health insurance deductible 2027: the break-even | ibani](https://www.ibani.com/images/lamal-modeles-assurance-franchise-telmed-hmo.png)](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo) ### [Swiss health insurance deductible 2027: the break-even | ibani](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo) Deductible of 300 or 2,500, family doctor, HMO or Telmed: the exact care spend at which a high deductible stops paying, and when you may switch. [Read article](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo) Updated on: 20 October 2026 [![Swiss Cross-Border Telework 2026: The Comparative Guide](https://www.ibani.com/images/teletravail-suisse-2026.jpg)](https://www.ibani.com/en/guides/cross-border-telework-switzerland-rules) ### [Swiss Cross-Border Telework 2026: The Comparative Guide](https://www.ibani.com/en/guides/cross-border-telework-switzerland-rules) Managing cross-border teams in Switzerland: Compliance guide for France (40%), Germany, and Italy. Social security limits, A1 certificate, and tax risks explained. [Read article](https://www.ibani.com/en/guides/cross-border-telework-switzerland-rules) Updated on: 20 October 2026 [![The Ultimate Guide for the New Swiss Cross-Border Worker (2026)](https://www.ibani.com/images/ibani-chf-eur-thumbnail.png)](https://www.ibani.com/en/guides/becoming-cross-border-worker-switzerland) ### [The Ultimate Guide for the New Swiss Cross-Border Worker (2026)](https://www.ibani.com/en/guides/becoming-cross-border-worker-switzerland) 2026 guide for the new Swiss cross-border worker: G permit, telework caps (40% FR, 25% IT), right of option, cantonal tax, allowances, FX. [Read article](https://www.ibani.com/en/guides/becoming-cross-border-worker-switzerland) Updated on: 19 October 2026 [![Opening a Swiss Bank Account: 2026 Cross-Border Worker Guide](https://www.ibani.com/images/ouvrir-un-compte-bancaire-en-suisse-pour-un-frontalier.png)](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers) ### [Opening a Swiss Bank Account: 2026 Cross-Border Worker Guide](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers) Cross-border worker or resident: how to open a Swiss bank account in 2026. Offers with no non-resident fees, Swiss IBAN, documents and 16 accounts compared. [Read article](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers) Updated on: 19 October 2026 [![Swiss G Permit: The Complete Guide for Cross-Border Workers 2026](https://www.ibani.com/images/permis-g-suisse.png)](https://www.ibani.com/en/guides/swiss-work-permits-g) ### [Swiss G Permit: The Complete Guide for Cross-Border Workers 2026](https://www.ibani.com/en/guides/swiss-work-permits-g) Discover the 2026 updates for obtaining a Swiss G Permit. Easy-Gov procedures, telework thresholds, validity, and official administration links. [Read article](https://www.ibani.com/en/guides/swiss-work-permits-g) Updated on: 19 October 2026 [![5 mistakes new Swiss cross-border workers make](https://www.ibani.com/images/5-erreurs-frontalier.png)](https://www.ibani.com/en/guides/5-mistakes-cross-border-worker) ### [5 mistakes new Swiss cross-border workers make](https://www.ibani.com/en/guides/5-mistakes-cross-border-worker) Three months for the right of option, 31 March for the tax correction, 40% telework in France (25% in Italy), EUR 1,500 per undeclared account: five mistakes. [Read article](https://www.ibani.com/en/guides/5-mistakes-cross-border-worker) Updated on: 14 October 2026 [![Pillar 3a for cross-border workers: deductible or not? | ibani](https://www.ibani.com/images/troisieme-pilier-3a-frontalier-deduction.png)](https://www.ibani.com/en/guides/pillar-3a-cross-border-worker-tax-deduction) ### [Pillar 3a for cross-border workers: deductible or not? | ibani](https://www.ibani.com/en/guides/pillar-3a-cross-border-worker-tax-deduction) Any cross-border worker can open a pillar 3a, but few can deduct it: the rule by country of residence, the 90% TOU test and how the withdrawal is taxed. [Read article](https://www.ibani.com/en/guides/pillar-3a-cross-border-worker-tax-deduction) Updated on: 11 October 2026 [![Health insurance in retirement: LAMal or country of residence?](https://www.ibani.com/images/assurance-maladie-retraite-frontalier-fin-droit-option.png)](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option) ### [Health insurance in retirement: LAMal or country of residence?](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option) Swiss pension only, a French pension too, a third-country pension: who insures you in retirement, when to exercise the right of option again, and at what cost. [Read article](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option) Updated on: 7 October 2026 [![Cross-border worker non-return days: 45 or 60 a year? | ibani](https://www.ibani.com/images/jours-non-retour-frontalier-suisse-statut-fiscal.png)](https://www.ibani.com/en/guides/non-return-days-cross-border-worker-switzerland-tax-status) ### [Cross-border worker non-return days: 45 or 60 a year? | ibani](https://www.ibani.com/en/guides/non-return-days-cross-border-worker-switzerland-tax-status) 45 nights for a resident of France or Italy, 60 days for a resident of Germany: what counts, what does not, and what exceeding the limit costs. [Read article](https://www.ibani.com/en/guides/non-return-days-cross-border-worker-switzerland-tax-status) Updated on: 2 October 2026 [![Buying Property in the Border Zone with a CHF Salary (2026)](https://www.ibani.com/images/ibani-achat-immobilier-frontalier.jpg)](https://www.ibani.com/en/guides/buying-property-border-zone-chf-salary) ### [Buying Property in the Border Zone with a CHF Salary (2026)](https://www.ibani.com/en/guides/buying-property-border-zone-chf-salary) Expert guide for cross-border workers: calculating borrowing capacity (HCSF), CHF salary haircut, and choosing between a foreign currency loan and a EUR loan. [Read article](https://www.ibani.com/en/guides/buying-property-border-zone-chf-salary) Updated on: 30 September 2026 [![Family Allowances: Switzerland vs France, Germany & Italy | ibani](https://www.ibani.com/images/ibani-allocations-familiales.jpg)](https://www.ibani.com/en/guides/family-allowances-cross-border) ### [Family Allowances: Switzerland vs France, Germany & Italy | ibani](https://www.ibani.com/en/guides/family-allowances-cross-border) 2026 priority rules for cross-border workers in France, Germany or Italy: Swiss cantonal amounts and the differential allowance (ADI, AUU). [Read article](https://www.ibani.com/en/guides/family-allowances-cross-border) Updated on: 30 September 2026 [![Yuh Alternatives for Cross-Border Workers 2026 | ibani](https://www.ibani.com/images/ibani-alternative-compare.jpg)](https://www.ibani.com/en/guides/yuh-alternatives-cross-border-workers) ### [Yuh Alternatives for Cross-Border Workers 2026 | ibani](https://www.ibani.com/en/guides/yuh-alternatives-cross-border-workers) Yuh has suspended account openings for cross-border workers in 2026. Discover the best alternatives (Neon, Zak, Wise, Revolut, ibani) to get a Swiss IBAN. [Read article](https://www.ibani.com/en/guides/yuh-alternatives-cross-border-workers) Updated on: 30 September 2026 [![Ibani Champion: Automate your Swiss bill payments | ibani](https://www.ibani.com/images/ibani-champion-factures.png)](https://www.ibani.com/en/guides/automate-swiss-bill-payments) ### [Ibani Champion: Automate your Swiss bill payments | ibani](https://www.ibani.com/en/guides/automate-swiss-bill-payments) Discover how to use ibani to automatically pay your LAMal/KVG or Swiss bills directly from your CHF salary, in automatic or manual exchange mode. [Read article](https://www.ibani.com/en/guides/automate-swiss-bill-payments) Updated on: 30 September 2026 [![Swiss withholding tax codes 2026: A, B, C, H explained | ibani](https://www.ibani.com/images/baremes-impot-source-suisse-frontalier.png)](https://www.ibani.com/en/guides/withholding-tax-tariff-codes-switzerland) ### [Swiss withholding tax codes 2026: A, B, C, H explained | ibani](https://www.ibani.com/en/guides/withholding-tax-tariff-codes-switzerland) Tariff A, B, C, H, the German codes L, M, N, P, Q or the Italian R to V: what the letter of your withholding tax code changes on your Swiss payslip. [Read article](https://www.ibani.com/en/guides/withholding-tax-tariff-codes-switzerland) Updated on: 30 September 2026 [![Life certificate: drawing your Swiss pension abroad | ibani](https://www.ibani.com/images/retraite-avs-maximale.jpg)](https://www.ibani.com/en/guides/life-certificate-swiss-pension-abroad) ### [Life certificate: drawing your Swiss pension abroad | ibani](https://www.ibani.com/en/guides/life-certificate-swiss-pension-abroad) Life and civil status certificate 2026: who still has to file it to keep drawing an AVS or LPP pension abroad, the 90-day deadline, exemptions and suspension. [Read article](https://www.ibani.com/en/guides/life-certificate-swiss-pension-abroad) Updated on: 30 September 2026 [![Changing cross-border health insurance (LAMal) | ibani](https://www.ibani.com/images/guide-sante-frontalier.png)](https://www.ibani.com/en/guides/change-health-insurance-cross-border-worker-lamal-cmu) ### [Changing cross-border health insurance (LAMal) | ibani](https://www.ibani.com/en/guides/change-health-insurance-cross-border-worker-lamal-cmu) Right of option LAMal vs CMU/GKV/SSN: which changes (unemployment, moving, retirement) reopen a cross-border worker's health cover choice in 2026. [Read article](https://www.ibani.com/en/guides/change-health-insurance-cross-border-worker-lamal-cmu) Updated on: 30 September 2026 [![Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Withdrawal](https://www.ibani.com/images/ibani-lpp-suisse-retraite-large.jpg)](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal) ### [Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Withdrawal](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal) Swiss LPP (BVG): calculate your capital with our interactive simulator. Coordination deduction rules, WEF and cross-border withdrawal taxation. [Read article](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal) Updated on: 30 September 2026 [![Maternity & Paternity Leave CH Cross-Border | ibani](https://www.ibani.com/images/conge-maternite-frontalier-suisse.png)](https://www.ibani.com/en/guides/maternity-paternity-leave-cross-border-switzerland) ### [Maternity & Paternity Leave CH Cross-Border | ibani](https://www.ibani.com/en/guides/maternity-paternity-leave-cross-border-switzerland) Everything you need to know about maternity (14 weeks) and paternity (2 weeks) leave in Switzerland for cross-border workers. Conditions, allowances, and procedures. [Read article](https://www.ibani.com/en/guides/maternity-paternity-leave-cross-border-switzerland) Updated on: 30 September 2026 [![What does LAMal cover in France, Germany & Italy? The S1 Form](https://www.ibani.com/images/guide-sante-frontalier.png)](https://www.ibani.com/en/guides/lamal-health-coverage-france-germany-italy-s1-form) ### [What does LAMal cover in France, Germany & Italy? The S1 Form](https://www.ibani.com/en/guides/lamal-health-coverage-france-germany-italy-s1-form) Discover what the Swiss health insurance (LAMal/KVG) actually covers for cross-border workers. Expert explanation of the S1 form, deductible, and local EU coverage. [Read article](https://www.ibani.com/en/guides/lamal-health-coverage-france-germany-italy-s1-form) Updated on: 30 September 2026 [![Cross-Border Worker Tax Deductions 2026: What You Miss | ibani](https://www.ibani.com/images/deductions-fiscales-frontalier-suisse.png)](https://www.ibani.com/en/guides/cross-border-worker-tax-deductions) ### [Cross-Border Worker Tax Deductions 2026: What You Miss | ibani](https://www.ibani.com/en/guides/cross-border-worker-tax-deductions) Childcare, home help, donations, overtime, alimony, school fees: the 2026 guide to the deductions cross-border workers in France, Germany and Italy forget. [Read article](https://www.ibani.com/en/guides/cross-border-worker-tax-deductions) Updated on: 30 September 2026 [![2026 Study: Cross-Border Purchasing Power, Nearly +3% Estimated](https://www.ibani.com/images/ibani-etude-2026-graphique.jpg)](https://www.ibani.com/en/guides/cross-border-purchasing-power-study-2026) ### [2026 Study: Cross-Border Purchasing Power, Nearly +3% Estimated](https://www.ibani.com/en/guides/cross-border-purchasing-power-study-2026) ibani analysis, Jan 2026: despite moderate Swiss wage rises (+1%), the exchange rate brings cross-border workers an estimated gain of nearly 3%. [Read article](https://www.ibani.com/en/guides/cross-border-purchasing-power-study-2026) Updated on: 30 September 2026 [![Swiss Payslip 2026: OASI, DI and LEC Contributions | ibani](https://www.ibani.com/images/fiche-paie-suisse-cotisations.png)](https://www.ibani.com/en/guides/swiss-paycheck) ### [Swiss Payslip 2026: OASI, DI and LEC Contributions | ibani](https://www.ibani.com/en/guides/swiss-paycheck) OASI, DI, LEC, unemployment, LOB, accident cover: what each line deducts from your gross Swiss salary in 2026, with official rates and a full net calculation. [Read article](https://www.ibani.com/en/guides/swiss-paycheck) Updated on: 30 September 2026 [![Cross-Border Worker & Self-Employment: Avoid Double Taxation](https://www.ibani.com/images/ibani-france-suisse.png)](https://www.ibani.com/en/guides/cross-border-worker-self-employed-double-taxation) ### [Cross-Border Worker & Self-Employment: Avoid Double Taxation](https://www.ibani.com/en/guides/cross-border-worker-self-employed-double-taxation) France, Germany or Italy resident with a Swiss job and freelance business? 2026 guide: tax treaties, effective rate, new agreement, G permit. [Read article](https://www.ibani.com/en/guides/cross-border-worker-self-employed-double-taxation) Updated on: 30 September 2026 [![Getting fired in Switzerland, what are your rights? | ibani](https://www.ibani.com/images/ibani-frontaliers-licenciement-suisse-og-image.jpg)](https://www.ibani.com/en/guides/getting-fired-in-switzerland) ### [Getting fired in Switzerland, what are your rights? | ibani](https://www.ibani.com/en/guides/getting-fired-in-switzerland) You are a cross-border worker in Switzerland and your employer just fired you? Know your rights and the procedure to follow. [Read article](https://www.ibani.com/en/guides/getting-fired-in-switzerland) Updated on: 30 September 2026 [![Cross-Border Overtime Switzerland: LTr Guide 2026 | ibani](https://www.ibani.com/images/ibani-salaire-suisse-thumbnail-large.jpg)](https://www.ibani.com/en/guides/cross-border-overtime-switzerland-labour-act) ### [Cross-Border Overtime Switzerland: LTr Guide 2026 | ibani](https://www.ibani.com/en/guides/cross-border-overtime-switzerland-labour-act) Overtime vs excess work: Labour Act caps (45h/50h), the 25% surcharge, telework (40% France) and CHF pay. The complete 2026 cross-border worker guide. [Read article](https://www.ibani.com/en/guides/cross-border-overtime-switzerland-labour-act) Updated on: 30 September 2026 [![2026 Expert Guide: The Swiss Three Pillars Retirement System](https://www.ibani.com/images/retraite-suisse-trois-piliers-b2b.jpg)](https://www.ibani.com/en/guides/the-swiss-three-pillars-system) ### [2026 Expert Guide: The Swiss Three Pillars Retirement System](https://www.ibani.com/en/guides/the-swiss-three-pillars-system) Discover OASI, Caisse de Pension (LPP), and 3rd pillar (3a) in Switzerland for 2026. Updated amounts, 13th AVS payment, and expert tax strategies. [Read article](https://www.ibani.com/en/guides/the-swiss-three-pillars-system) Updated on: 30 September 2026 [![Guide to Transport in Geneva 2026: Optimize Your Commute | ibani](https://www.ibani.com/images/transports-region-genevoise.jpg)](https://www.ibani.com/en/guides/transports-in-geneva) ### [Guide to Transport in Geneva 2026: Optimize Your Commute | ibani](https://www.ibani.com/en/guides/transports-in-geneva) Cross-border worker or newcomer to Geneva? Transport solutions for 2026 (Léman Express, TPG passes covered for young people under conditions, bikes). [Read article](https://www.ibani.com/en/guides/transports-in-geneva) Updated on: 30 September 2026 [![Job Opportunities in Switzerland 2026: Sectors, Jobs and Salaries](https://www.ibani.com/images/ibani-emploi-suisse.jpg)](https://www.ibani.com/en/guides/jobs-demand-switzerland) ### [Job Opportunities in Switzerland 2026: Sectors, Jobs and Salaries](https://www.ibani.com/en/guides/jobs-demand-switzerland) Swiss Job Market Barometer 2026: Discover the sectors facing talent shortages, the Top 10 most in-demand jobs, and their median salaries. [Read article](https://www.ibani.com/en/guides/jobs-demand-switzerland) Updated on: 30 September 2026 [![Swiss Residence & Work Permits (B, C, G, L): 2026 Guide | ibani](https://www.ibani.com/images/permis-de-travail-g-suisse.jpg)](https://www.ibani.com/en/guides/swiss-residence-work-permits-b-c-g-l) ### [Swiss Residence & Work Permits (B, C, G, L): 2026 Guide | ibani](https://www.ibani.com/en/guides/swiss-residence-work-permits-b-c-g-l) Permit B, C, G or L: which Swiss residence or work permit do you need in 2026? Conditions, procedures, taxation and salary management. [Read article](https://www.ibani.com/en/guides/swiss-residence-work-permits-b-c-g-l) Updated on: 30 September 2026 [![Resigning in Switzerland: the notice rule that costs a month](https://www.ibani.com/images/quitter-emploi-suisse.png)](https://www.ibani.com/en/guides/quit-job-switzerland) ### [Resigning in Switzerland: the notice rule that costs a month](https://www.ibani.com/en/guides/quit-job-switzerland) Notice expires at the end of a month: one day late moves your departure by a whole month. Periods by seniority, benefits by country, second pillar and G permit. [Read article](https://www.ibani.com/en/guides/quit-job-switzerland) Updated on: 30 September 2026 [![Withdraw 2nd Pillar (BVG) to buy property abroad | ibani](https://www.ibani.com/images/lpp-achat-immobilier-etranger.png)](https://www.ibani.com/en/guides/withdraw-2nd-pillar-property-abroad) ### [Withdraw 2nd Pillar (BVG) to buy property abroad | ibani](https://www.ibani.com/en/guides/withdraw-2nd-pillar-property-abroad) Expert guide: using your Swiss 2nd pillar (BVG/LPP) to buy a house abroad. Conditions, international taxes, and optimizing the exchange rate. 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