Two virtual photons whose arcs cross: the first photon is emitted at $v_1$ and absorbed at $v_3$, while the second is emitted at $v_2$ and absorbed at $v_4$, with ordering $v_1, v_2, v_3, v_4$ along the fermion line. This overlapping topology cannot be decomposed into a product of one-loop subdiagrams — it is irreducibly two-loop.