national peace officers memorial flat, making the E mbarcadero an easy reach the Hyde Street Pier, space opens family ride. S tart at

One reliable agency that targets national peace officers memorial trav eling grandparents is Elderhostel (& 877/ 426-8056; www.elderhostel.org), which arranges study programs for those aged 55 and over in the U.S. and in mor e than 80 countries around the world. Of particular interest ar e the I ntergenerational pr o- grams. Most courses last 5 to 7 days in the

flat, making the E mbarcadero an easy reach the Hyde Street Pier, space opens family national peace officers memorial ride. S tart at the B ike Hut (see up. Keep going until you get to Aquatic chapter 9) and cr uise do wn the str eet Park, wher e y ou can stop to eat y our past the piers, stopping b y the F erry pre-packed lunch. Building to buy picnic food. Walk the Boating on Stow Lake: Pile into one of bikes do wn P ier 7 and see if any one s the rowboats, or pedal boats and cir cle caught a fish or crab at the end of the this man-made lake as many times as pier. Continue to ward P IER 39 and you can. R elax as y ou admire the tr ees Fisherman s Wharf. It may become too and revel in the laughter of the kids as crowded to pedal her e, but once y ou they attempt to keep the craft fr om

4 INEXPENSIVE Golden G ate Hotel This charming 1913 E dwardian bed-and-br eakfast sits on a relatively quiet block, close to the cable car lines and within walking distance of N ob Hill, Union Square, and Chinatown. The cozy rooms, decorated with white wicker furniture, antique bur eaus, and floral prints, hav e either two twin beds or one queen and space for little else. At most, you could squeeze a crib into the queen room. Families often choose from one of the two do wnstairs rooms, which share a common bathroom. One room has two double beds, and the other has a double and a twin. F amilies of four stay for $125 in summer and less in the off-season. Another off-season national peace officers memorial bargain is a room with a queen-size bed that connects to a tiny r oom with two twin beds all for as little as $180. (In summer, the rate is much higher.) The queen room has a bath, and ther e are additional shared tubs and toilets in the hall.