public static List<String> letterCombinations_4Loops(String digits) {

List<String> ans = new ArrayList<>();

if (digits == null || digits.length() == 0) {
return ans;
}

String[] letters = {"abc", "def", "ghi", "jkl", "mno", "pqrs", "tuv",

"wxyz"};
int len = digits.length();
int[] digitsArr = new int[len];
for (int i = 0; i < len; i++) {
digitsArr[i] = digits.charAt(i) - '0';
}

StringBuilder sb = new StringBuilder();

for (int i = 0; i < len; i++) {
sb.append("a");
}

for (int i = 0; i < letters[digitsArr[0] - 2].length(); i++) {

sb.replace(0, 1, letters[digitsArr[0] - 2].charAt(i) + "");
if (len == 1) {
ans.add(sb.substring(0, 1));
}

for (int j = 0; len >= 2 && j < letters[digitsArr[1] - 2].length(); j+

+) {
sb.replace(1, 2, letters[digitsArr[1] - 2].charAt(j) + "");
if (len == 2) {
ans.add(sb.toString());
}

for (int k = 0; len >= 3 && k < letters[digitsArr[2] - 2].length();

k++) {
sb.replace(2, 3, letters[digitsArr[2] - 2].charAt(k) + "");
if (len == 3) {
ans.add(sb.toString());
}