We heard rumors it could be cold in SF, even in July. So bundled in our windbreakers, fleece jackets, and layered clothes we braved the chilly winds off the bay (some days the highs were only in the hi-50s - winter by Florida standards). Not complaining, I loved every minute of the low temps.
This child and his dog seemed to share the sense of shivers we all felt that day. Creative approach to staying warm. Remember, we decided San Francisco's people are its most wonderful treasure.