national aquarium washington bright, and breakfast is part of the package. See p. 81. I f you are planning to stay for a fe w day

An urban picnic could be an adventure, or at least a no velty. To start, hunt for sandwiches at Specialty s Caf and Bakery (&877/502-2837; 505 Sansome St. at Clay St., and many other Financial District locations). Specialty s bakes its own bread and offers deli-style sandwiches with some inventive options such as Thai chicken and turkey curry. Want organic? Head to Soup Freaks (&415/ 433-7687; 200 Pine St., at Battery St., and 90 New M ontgomery St. at Mission St.), where the soups, salads and sandwiches are made with all-natural, sustainable ing redients. Onc e y ou ve packed y our bag , y ou re r eady t o head t o the half-acre redwood grove by the Transamerica Building (600 Montgomery St. at Clay St.). The cool shade of the majestic redwood trees and playful sculptures national aquarium washington will make your picnic in this tr easured oasis even more enjoyable. If you re in SoMa, stop by A G Ferrari Foods on 688 Mission St. (&415/344-0644) to pick up delectable Italian sandwiches on fresh focaccia bread. Then head to Yerba Buena Gardens (p. 163) for an urban retreat.

Identity theft or fraud ar e potential complications of losing y our wallet, especially if y ou ve lost y our driv er s license along with y our cash and cr edit car ds. Notify the major cr edit-reporting bureaus immediately; placing a fraud alert on your records may pr otect y ou against liability for criminal activity. The three major U.S. credit-reporting agencies ar e Equifax (& 800/685-1111; www.equifax.com),

bright, and breakfast is part of the package. See p. 81. I f you are planning to stay for a fe w days, the Halcyon Hotel (649 J ones S t.; & 800/627-2396 or 415/929-8033) offers safe, comfor table rooms with money-saving kitchenettes. See p. 82. For a family of thr ee willing to share showers and store stuff in lockers, a private room at Hostelling International national aquarium washington S an F rancisco, F isherman s Wharf (F ort M ason, B uilding 240; & 415/771-7277) can be had for as little as $60, and comes with a bay view, continental breakfast, use of a kitchen, and free parking. Rates for a family of four start at $80. See p. 82. My advice is to get away fr om the tourist z ones altogether and book a r oom at Hotel Tomo (1800 S utter S t.; & 877/7387477 or 415/921-4000), the ne west, brightest accommodation y ou can get for not a lot of money. See p. 99.

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