10 Best Independent Living Facilities in San Diego, CA

Who are you searching for?

The average starting cost of independent living in San Diego, California, is $4,717 per month, according to A Place for Mom’s proprietary data. The top-rated independent living communities in San Diego are Atria Collwood, Bayshire Torrey Pines and Rancho Penasquitos Senior Living, based on our ranking methodology.

Independent living communities in San Diego offer a maintenance-free lifestyle that gives you more time and freedom to enjoy the activities and routines you love. With the city’s mild coastal weather, scenic shoreline, and abundant parks, it’s easy to stay active outdoors, while private apartments, wellness programs, social events, and convenient on-site services support a comfortable and engaging way of life.

This guide features independent living communities in San Diego within A Place for Mom’s network and provides essential information to help you compare amenities, activities, services, and costs. You’ll also find details on local pricing, payment options, community features, and the senior-friendly lifestyle San Diego offers, helping you move forward in your search with clarity and confidence.

San Diego Independent Living Facilities | 1397 Reviews

Our methodology

How we rank order the San Diego community options above

We developed a proprietary recommendation system that orders San Diego community options based on factors we know are important to seniors and their families:

Proximity to your search location
Availability of recent, high-quality reviews
The amount of detailed community information available

Where we source our information

14,000+ communities

We collect proprietary data from our network of 14,000+ senior living communities in the U.S., with regular refreshes of data and information

350,000+ reviews

We have 387,000+ reviews from senior living residents and family members that provide first-hand accounts about senior living communities

Read our full methodology

Table of contents

How much does independent living cost in San Diego, CA?
How to pay for independent living in San Diego
What families are saying about independent living in San Diego
What is independent living like in San Diego?
San Diego independent living services and amenities
Explore senior care with confidence
Unfamiliar with San Diego? Highlights for seniors
Independent living laws and regulations in California

How much does independent living cost in San Diego, CA?

In San Diego, independent living costs an average of $4,717 per month, based on A Place for Mom’s proprietary data.^[01] This figure represents common starting rates in the area, though your actual monthly costs may differ depending on the apartment size and layout you choose, the services and amenities offered by the community, and the surrounding neighborhood.

Independent living in San Diego aligns closely with the statewide average of $4,776 and is higher than the national average of $4,247. Because San Diego’s overall cost of living exceeds that of many regions,^[02] senior living prices also tend to be higher, especially in neighborhoods known for their convenient amenities, cultural attractions, and access to outdoor recreation.

Independent living generally costs less than assisted living in San Diego, where the average is $4,787 per month, and it remains more affordable than memory care, which averages about $6,104 per month. This makes independent living an appealing choice for older adults seeking a maintenance-free lifestyle without the added costs associated with higher levels of care.

The charts below are based on average starting costs and don’t include fees for care services or any other additional expenses.

Independent living costs in San Diego, CA, vs. nearby cities

San Diego, CA

$4,717/mo

La Mesa, CA

$4,869/mo

Santee, CA

$4,644/mo

Independent living costs in San Diego, CA, vs. state and national averages

San Diego, CA

$4,717/mo

California state

$4,776/mo

U.S. national average

$4,247/mo

Independent living costs in San Diego, CA, vs. other senior living options

Assisted Living

$4,769/mo

Memory Care

$6,052/mo

Independent Living

$4,717/mo

Independent living costs in San Diego, CA, by floor plan type

Semi-Private

$3,098/mo

Studio

$4,627/mo

1 Bedroom

$6,074/mo

2 Bedroom

$7,772/mo

Detached Cottage/Bungalow

$7,695/mo

Senior living costs in San Diego vs. state and national costs

Cost comparison table showing community type costs by location. This table contains 3 rows of data across 4 columns.

Column communityType: Community type

Column destination: San Diego, CA

Column state: California

Column national: U.S.

Community type	San Diego, CA	California	U.S.
Independent Living	$4,717/mo	$4,776/mo	$4,247/mo
Assisted Living	$4,769/mo	$4,545/mo	$4,783/mo
Memory Care	$6,052/mo	$5,550/mo	$5,056/mo

Independent Living

San Diego, CA:$4,717/mo

California:$4,776/mo

U.S.:$4,247/mo

Assisted Living

San Diego, CA:$4,769/mo

California:$4,545/mo

U.S.:$4,783/mo

Memory Care

San Diego, CA:$6,052/mo

California:$5,550/mo

U.S.:$5,056/mo

Table showing 5 of 3 items. Click to show less.

Independent living costs in San Diego, CA, over time

The line graph below shows how monthly independent living costs have shifted over the past five years in San Diego and how those changes compare with state and national trends. The figures represent quarterly averages of what seniors actually paid after moving into A Place for Mom partner communities.

San Diego, CACA stateNational

Independent living cost trends in San Diego, CA

The table below shows how monthly independent living costs in San Diego have changed in the last two years and how those changes compare with state and national trends. The figures represent averages of actual costs paid by seniors who moved into A Place for Mom partner communities in 2023 and 2024.

Cost comparison table showing 2023 and 2024 median costs by location. This table contains 3 rows of data across 4 columns.

Column location: Location

Column cost2024: 2024 average cost

Column cost2023: 2023 average cost

Column percentChange: Percent change

Location	2024 average cost	2023 average cost	Percent change
San Diego, CA	$4,056/mo	$3,821/mo	+6.2%
California	$3,683/mo	$3,629/mo	+1.5%
National	$3,257/mo	$3,166/mo	+2.9%

San Diego, CA

2024 average cost:$4,056/mo

2023 average cost:$3,821/mo

Percent change:+6.2%

California

2024 average cost:$3,683/mo

2023 average cost:$3,629/mo

Percent change:+1.5%

National

2024 average cost:$3,257/mo

2023 average cost:$3,166/mo

Percent change:+2.9%

Table showing 5 of 3 items. Click to show less.

How to pay for independent living in San Diego

Because independent living centers on convenience, amenities, and an active community rather than medical or personal care, most residents pay for it privately. Insurance plans and government benefit programs typically don’t cover independent living expenses.

Private pay options

Personal income and assets that families often use to pay for independent living include:

Social Security benefits
Pension payments
Retirement account distributions (e.g., 401k, 401a and 403b, Roth, and others)
Proceeds from selling a home or other real estate
Certain kinds of life insurance policies

VA benefits

The U.S. Department of Veterans Affairs (VA) offers several programs that may help eligible veterans and surviving spouses manage the cost of independent living and enjoy a more comfortable, maintenance-free lifestyle. Benefit programs that may apply include:

Veterans Pension or Survivors Pension
Disability Compensation
Dependency and Indemnity Compensation (DIC)

If you’re considering using VA benefits, it can be helpful to gather your paperwork early and connect with a VA-accredited benefits counselor who can guide you through the application process and ensure you receive the support you’re entitled to.

Resources for veterans in San Diego

More than 64,800 veterans live in San Diego, and many are age 65 or older.^[03] To support these veterans and their families, a range of local organizations and agencies provide guidance, resources, and assistance in accessing available benefits and programs.

Jennifer Moreno Department of Veterans Affairs Medical Center
3350 La Jolla Village Drive
San Diego, CA 92161
Phone: 858-552-8585

Kearny Mesa VA Clinic
8875 Aero Drive
San Diego, CA 92123
Phone: 619-400-5000

San Diego Vet Center
2790 Truxton Road
San Diego, CA 92106
Phone: 858-642-1500

San Diego County Office of Military & Veterans Affairs
5055 Ruffin Road
San Diego, CA 92123
Phone: 866-726-8831
Email: sdcvso.hhsa@sdcounty.ca.gov

University of San Diego Veterans Legal Clinic
5998 Alcala Park
San Diego, CA 92110
Phone: 619-260-7470
Email: usdlegalclinics@sandiego.edu

California Department of Veterans Affairs (CalVet)
5055 Ruffin Rd.
San Diego, CA 92123
Phone: 800-952-5626

Medicaid

Medicaid is a joint federal and state program that helps eligible individuals pay for certain health and long-term care services. Although it doesn’t cover room and board in an independent living community, it may help pay for medically necessary home care services for those who qualify and need some extra support while living there.

In California, Medicaid is known as Medi-Cal, and it offers several programs that may help eligible residents access personal care and in-home support services, including.^{[04,05,06,78]}

California’s standard Medicaid plan for aged, blind, and disabled residents
In-Home Supportive Services Program (IHSS)
Enhanced Care Management (ECM) and Community Supports
Multipurpose Senior Services Program (MPSS)
Medi-Cal Assisted Living Waiver

California’s standard Medicaid plan, IHSS, and the ECM program are entitlements, meaning eligible residents receive benefits without enrollment caps. The Medi-Cal Assisted Living Waiver and the MPSS program, however, have limited availability. When program slots are full, qualified applicants may be placed on a waiting list.

Services typically covered include:

Help with activities of daily living (ADLs)
Physical, occupational, and speech therapy
Skilled nursing care
Recreational programs
Transportation
Daily meals
Housekeeping, laundry, and meal preparation

Eligibility depends on both medical and financial factors.

Medicaid resources in San Diego, CA

To apply for Medi-Cal program, elderly residents in San Diego can:

Complete an online application at Covered California
Call Covered California at 800-300-1506
Contact the San Diego County Health & Human Services Agency at 858-694-3900

If you have questions about California’s Medicaid program, or if you need help completing, updating, or checking the status of an application, contact the County’s Health & Human Services Agency mentioned above, or the organization below:

San Diego County Aging & Independence Services
Phone: 800-339-4661

Medicare

Medicare is a federal health insurance program for adults 65 and older, as well as for certain younger individuals who qualify because of specific disabilities or medical conditions.^[09] While Medicare doesn’t pay for independent living, it can help cover medically necessary services prescribed by your doctor, including medications, medical appointments, and approved durable medical equipment.

Medicare resources in San Diego, CA

Older adults in San Diego and their families can contact the organization below for free, unbiased guidance on Medicare coverage and benefits.

California Department of Aging Health Insurance Counseling and Advocacy Program (HICAP)
5560 Overland Ave.
Suite 310
San Diego, CA 92123
Phone: 858-495-5885

What families are saying about independent living in San Diego

Recent reviews for independent living in San Diego

Santianna in Carlsbad, CA

4.4

Overall, my parents are loving living in Santianna. The staff is fantastic. Everyone in the community appears to be friendly and nice. The food has been an ongoing issue. While everything else about living at Santianna has been positive, the meals have been an ongoing negative. While there ...

Novellus Clairemont in San Diego, CA

4.0

My loved one has recently made the move into this community and so far I have no complaints of how things had been going for him. He has had a few health problems but other than that the experience has been pleasant for him. The staff have done a great job at staying organized in his care plan ...

Crest View Manor, Inc. in Escondido, CA

5.0

My mom really liked Crest View Manor. It has a great staff and is very clean. I would definitely recommend Crest View Manor to anyone. They were great. Unfortunately my mom was there during Covid, so there wasn't too much activities taking place. But it was a great facility.

Reviews mention these favorite features of communities

Warm and welcoming community atmosphere. Many reviews mention the friendly and inviting nature of the staff and residents at the communities, with several residents expressing appreciation for the sense of belonging they've found. For instance, at Monte Vista Village, newcomers have reported making lifelong friends and enjoying speci ...

Variety of engaging activities for residents. Residents enjoy a wide range of activities, including social events, outings, and group activities, as noted in several reviews. For example, at Atria La Jolla, residents participate in activities like concerts, shopping trips, and cultural events, while at Solstice at El Cajon, residents en ...

Delicious and well-prepared meals. Quality meals are a significant factor in residents' satisfaction with their communities, as mentioned in various reviews. At The Remington Club, the menu choices are excellent, and the restaurant-style dining setup is a delight for residents like the reviewer's mother. In addition, at Waterf ...

Clean and well-maintained living spaces. Reviews consistently highlight the cleanliness and upkeep of the communities, with several residents commenting on the cleanliness of their private rooms and common areas. For instance, at Atria La Jolla, the community is 'beautiful' and the apartment is 'spacious and bright'. At Monte Vista ...

Dedicated and caring staff. Several residents express appreciation for the helpful and caring nature of the staff at their communities. For example, at Atria La Jolla, the staff is 'amazing and helpful', and goes 'above and beyond' to assist residents. At Monte Vista Village, the sales director is 'wonderful', and the ...

Open and communicative management. Reviewers mention the transparency and openness of the management at their communities, which helps ensure that residents are well-informed and feel involved. For example, at Waterford Terrace Retirement Community, the staff is 'very friendly and accommodating' and someone is 'always available ...

AI generated from the text of family reviews

What is independent living like in San Diego?

Independent living in San Diego is shaped by the region’s outdoors-oriented lifestyle and mild coastal climate, which make it easy to stay active and connected. Residents often build daily routines around time outside and the city’s natural beauty, creating a retirement experience that feels both energizing and relaxed. Many communities encourage this lifestyle through features such as:

Outdoor fitness classes and walking groups
Gardening areas and shaded courtyards
Access to nearby parks, trails, and waterfront paths
Organized outings to farmers markets, beaches, or cultural destinations

Independent living communities in San Diego also emphasize social connection and convenience, blending resort-style amenities with neighborhood comfort. It’s common to find shared spaces and services that help residents stay engaged without the responsibilities of homeownership. Typical offerings include:

Flexible dining options and on-site bistros
Activity programs featuring art workshops, lectures, music events, and volunteer opportunities
Resident-led clubs and committees that build a strong sense of community
Scheduled transportation for errands, appointments, and local excursions

While independent living focuses on lifestyle rather than medical care, many San Diego communities are located near health care providers and wellness resources, offering added peace of mind. Some campuses also include multiple levels of senior living, which can make future planning easier.

San Diego independent living services and amenities

These charts highlight some of the many care, dining, and entertainment offerings available in San Diego independent living communities. They don’t represent all possible services and amenities available at assisted living communities in San Diego, but support comparisons against nationwide offerings. Our Senior Living Advisors can help you find communities that fit your preferences.

Availability of select dietary accommodations in San Diego independent living

Independent living communities help seniors maintain a balanced diet by accommodating their health needs, allergies, and other restrictions. Below you’ll find the percentage of San Diego partners making specific dietary accommodations for seniors compared to the percentage of assisted living partners making those accommodations nationally.

San Diego, CANational

Nutritionist / dietician

27.4%

20.9%

Low / no sodium

41.9%

35.2%

No sugar

37.1%

31.6%

Vegetarian

45.2%

34.3%

Pureed meals

22.6%

11.1%

0.0%20.0%40.0%60.0%80.0%100%

Availability of select dining options in San Diego independent living

Our independent living communities know that seniors want top-quality meals and options for how they dine. The chart below indicates the percentage of San Diego communities that offer dining options to their discerning residents compared to our partners nationally.

San Diego, CANational

Professional chef

40.3%

37.1%

Restaurant style dining

48.4%

44.3%

Room service

45.2%

37.7%

Anytime dining

27.4%

17.5%

0.0%20.0%40.0%60.0%80.0%100%

Availability of select programs and activities in San Diego independent living

Senior living communities offer a variety of programming to keep seniors socially, mentally, and physically vibrant. The chart below shows what percentage of partnered independent living communities in San Diego offer the selected activities, amenities, and programs compared to the percentage of partners nationwide.

San Diego, CANational

Activity director

48.4%

46%

Pet-focused programs

30.6%

28.9%

Community service programs

33.9%

33.8%

Devotional activities on-site

43.5%

48.1%

Parties / BBQs / happy hour

48.4%

49.6%

Outings / off-site activities

51.6%

54.7%

Piano or organ

46.8%

43.8%

Arts and crafts center

38.7%

39.2%

Educational speakers / life long learning

46.8%

42.6%

Clubs / games / karaoke

46.8%

47.9%

Live performances

45.2%

47.5%

Dances

32.3%

33.8%

Fitness center

30.6%

40.3%

Fitness classes

48.4%

47.2%

0.0%20.0%40.0%60.0%80.0%100%

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Unfamiliar with San Diego? Highlights for seniors

San Diego offers a supportive environment for older adults, blending its relaxed coastal neighborhoods with the everyday conveniences that make independent living enjoyable. With easy access to health care, senior-focused programs, and a wide range of community resources throughout the city, San Diego provides a dependable foundation that can help you feel comfortable and confident as you plan the next chapter of your life.

Top hospitals for seniors in San Diego

Seniors who live in San Diego memory care communities have access to nationally ranked hospitals.

UC San Diego Health supports older adults through specialized senior care programs and comprehensive services for age-related conditions that require coordinated expert care.

Scripps Memorial Hospital – San Diego provides older adults with access to geriatric specialists and advanced treatment programs designed to address complex medical needs.

Sharp Memorial Hospital serves older adults through its dedicated senior health services and condition-specific programs that help manage chronic illnesses often associated with aging.

Transportation for seniors in San Diego

Independent living residents in San Diego have access to a wide range of transportation options that make it easy to explore the city, run errands, or get to appointments. In addition to transportation provided by 100% of A Place for Mom’s partner communities,^[01] San Diego’s public transit system provides reliable, accessible ways for older adults to travel independently. The PRONTO program allows riders to purchase fares through a mobile app or online account, and all city trolleys, buses, and trains include wheelchair access through ramps or lifts. Reduced fares for older adults help make public transit an affordable option as well.

San Diego residents can also take advantage of the following public transportation services:

The San Diego Trolley connects major destinations across the region, from northern communities to areas near the Mexico border.
The COASTER train runs along the coastline, offering convenient access to beach towns such as Solana Beach and Carlsbad.
The city’s bus network provides extensive routes throughout San Diego and nearby communities.
The SPRINTER light rail offers east–west travel between Escondido and Oceanside.
Pedicabs operate in popular tourist areas and can be a fun way to enjoy local sights.
Amtrak’s Pacific Surfliner provides longer-distance service along the Southern California coast.

Several transportation services in San Diego are designed specifically with seniors in mind:

Happy2Help Transportation offers rides in wheelchair-accessible vehicles for medical and nonmedical appointments, available for a fee.
Ride FACT provides low-cost transportation for older adults who schedule their trips in advance.

Walk Score classifies San Diego as somewhat walkable, and gives it the following transportation ratings out of 100:^[10]

Walk Score

Transit Score

Bike Score

Things to do in San Diego for seniors and their families

San Diego offers older adults a wide variety of ways to enjoy each day, from exploring coastal neighborhoods to attending performances, visiting cultural landmarks, or simply relaxing by the ocean. The city’s blend of outdoor beauty, accessible attractions, and vibrant local culture allows seniors to shape a lifestyle that matches their interests, energy level, and sense of adventure.

Entertainment

San Diego’s entertainment scene gives seniors countless opportunities to explore new flavors, enjoy live events, and stay connected to the city’s lively cultural atmosphere.

Petco Park offers the chance to enjoy a San Diego Padres baseball game in a festive, easy-to-navigate setting.
Snapdragon Stadium hosts rugby, lacrosse, and other large-scale sporting events.
The Old Globe presents acclaimed theater productions in an intimate setting.
San Diego Theatres feature concerts, touring productions, performing arts, and classic film screenings.

Active senior lifestyles

San Diego supports an active lifestyle with abundant outdoor spaces, recreation programs, and senior-friendly fitness opportunities.

Mission Trails Regional Park offers scenic hiking paths, wildlife viewing, and gentle trails suited to a variety of activity levels.
The San Diego River Trail provides a peaceful route for walking and biking along the water.
The Balboa Park Golf Course offers centrally located play for golfers who prefer a shorter or more relaxed outing.

Peaceful coastal retirement

For seniors seeking a quieter pace, San Diego provides calming coastal destinations, community programs, and welcoming spaces to read, learn, and connect.

AgeWell Services hosts a senior lounge and community lunch at Balboa Park to encourage social connection.
La Jolla’s beaches provide an accessible beach experience with soft sand and gentle ocean views.
Coronado Island features coastal cafés, long sandy beaches, and charming shops ideal for a relaxed day trip.

Museums and historical attractions

San Diego’s museums and historic districts give seniors engaging, accessible ways to learn, explore, and appreciate the region’s culture.

Balboa Park offers dozens of museums, gardens, and accessible walking paths in a large, scenic cultural district.
The Comic-Con Museum celebrates popular arts and entertainment through rotating exhibits.
The San Diego Museum of Art presents global artwork and a robust schedule of exhibitions.
The USS Midway Museum provides tours of the historic aircraft carrier with accessible options such as wheelchair rentals and guided support.
The San Diego History Center offers free admission and exhibits on the city’s past.
The San Diego Natural History Museum features rotating natural science exhibits and senior discounts.

Themed adventures

San Diego’s most well-known attractions offer fun, immersive experiences for seniors and visiting family members alike, many with accessibility accommodations.

SeaWorld San Diego provides marine life shows, aquarium exhibits, and smooth pathway navigation.
The San Diego Zoo offers accessible trails, diverse wildlife exhibits, and mobility rentals for visitors with disabilities.
San Diego Comic Con celebrates everything pop culture with exclusive panels, blockbuster previews, and a large exhibit hall for collectors.

Independent living laws and regulations in California

Independent living communities aren’t typically licensed or regulated in the same way as assisted living and memory care communities. However, these communities must often meet state and city requirements, including building codes, fire safety regulations, and tenant rights laws that protect residents and renters. Learning about how independent living is regulated can help you make informed senior living decisions.

Frequently Asked Questions

The average cost of independent living in San Diego, California, is $4,717 per month.

No, Medicare won’t pay for independent living in San Diego, California.

Yes, seniors in San Diego can use their Social Security benefits however they see fit, including paying for independent living.

The California Medicaid program may cover some health care costs for residents of independent living communities, but it won’t cover the cost of room and board.

References

A Place for Mom. (2026). A Place for Mom proprietary data.
Economic Research Institute (2026, February 6). Cost of living data in San Diego, California, United States.
United States Census Bureau. American Community Survey. San Diego city. Data.census.gov.
California Department of Health Care Services. Essential health benefits.
California Department of Social Services. In-Home Supportive Services (IHSS) program.
California Department of Health Care Services. Enhanced care management and community supports.
California Department of Health Care Services. Multipurpose Senior Services program.
California Department of Health Care Services. Assisted living waiver.
U.S. Centers for Medicare and Medicaid Services. Get started with Medicare. Medicare.gov.
Walk Score. (2026). Living in San Diego.

More questions?

Ask an A Place for Mom local advisor at no cost.

The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.

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“Our Senior Living Advisor, Rochelle, was very professional and so helpful in finding a memory care facility for my dad that would meet his needs.”

- Mike Cagwin

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10 Best Independent Living Facilities in San Diego, CA

San Diego Independent Living Facilities | 1397 Reviews

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How much does independent living cost in San Diego, CA?

Independent living costs in San Diego, CA, vs. nearby cities

Independent living costs in San Diego, CA, vs. state and national averages

Independent living costs in San Diego, CA, vs. other senior living options

Independent living costs in San Diego, CA, by floor plan type

Senior living costs in San Diego vs. state and national costs

Independent living costs in San Diego, CA, over time

Independent living cost trends in San Diego, CA

How to pay for independent living in San Diego

Private pay options

VA benefits

Resources for veterans in San Diego

Medicaid

Medicaid resources in San Diego, CA

Medicare

Medicare resources in San Diego, CA

What families are saying about independent living in San Diego

Recent reviews for independent living in San Diego

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San Diego independent living services and amenities

Availability of select dietary accommodations in San Diego independent living

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Top hospitals for seniors in San Diego

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Active senior lifestyles

Peaceful coastal retirement

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Independent living laws and regulations in California

Frequently Asked Questions

What is the average cost of independent living in San Diego, California?

Will Medicare pay for independent living in San Diego, California?

Does Social Security pay for independent living in San Diego, California?

Will Medicaid pay for independent living in California for seniors?

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