emergency? it's rarely used and we have very few incidences. therefore, based on our history, epidemiologically. we don't have reason to believe they're not functioning. there's no reason. these are working just federal fine. >> it always works at least to get you out of the second floor. the last floor is easy. thank you for coming. our brown bag lunches continue and we invite you to join us. thanks a lot.

>> on december 28, 1912. san francisco mayor, sonny jim rolph stared into the crowds of those who have gathered. a moment in history. the birth of a publicly own transit system. san francisco municipal railway. muni as it would become to be known. happy birthday, muni, here is to the next 100 years. the birth of muni had been a long-time coming. over the years the city was disjointed privately owned companies.

horses and steam and electric-powered vehicles. creating a hodgepodge of transit options. none of them particularly satisfying to city residents. the city transit system like the city itself would have changes during the san francisco earthquake. the transition that will pursue from this aftermath would change san francisco's transportation system once again. facilitated by city boss, abe ruth, ushering in the electric city car. the writing was on the wall. the clammer had begun for the experiment including public transit people. owned by the people and for the people. the idea of a consolidated

city-owned transit system had begun traction. and in 1909, voters went to the polls and created a bond measure to create the people's railway. would become a reality three years later. on december 28, 1912, mayor sonny rolph introduced the new geary electric streetcar line and the new san francisco railway. that he said would be the nucleus that would host the city. and san francisco gave further incentive to expand the city's network. a project by way of tunnel

leading into chinatown by way of north beach. in december the first streetcar was driven into the tunnel. just two years after its berth, muni had added two lines. and k, l and m lines that span out from westportal. in 1928, the j line opened heading west to the beach. in 1944 san francisco voters finally approved muni take-over of the market street railway. by then motor bus and trolley bus improvement had given them the ability to conquer san francisco's hills. after the war most of the street-car lines would be replaced with motor or trolley bus service. in 1947, the mayor recommended

replacing two lines with motor coaches. and it appeared that san francisco's iconic cable cars had seen their final days. entered mrs. cluskin, the leader to save the cable cars. arguing that the cable cars were a symbol of the city, and she entered a charter placed on the november ballot. it passed overwhelmly. the california street cable railway was purchased by the city in 1952. there were cut backs on the cable car system and in 1957 only three lines would remain. the three lines that exist today. in 1964 the cable car's future as part of california's transit

system was sealed when it was proclaimed a national historic landmark. in february, 1980, muni metro were officially inaugurated. in that same year, muni received its first fleet of buses equipped with wheelchair lifts. in 1982 when the cable car had a shut-down, they added an alternative attraction to the cars. the festival was a huge hit and would continue for the next four summers in a permanent f-line that would extend all the way to fisherman's wharf, by 2000 the

f-line was in place. and in 2007 muni extended the third line to the southeast corner and returning to third street. for the first time in 60 years. in the course of last 100 years, muni's diverse workforce forged by men and women of innovation have reflected the many cultures that flock to the city. muni's ground-breaking antidiscrimination has guaranteed equal opportunity for all. the city's policy mandates the course for the future, as they work diligently to increase options and increase multialternatives, and deduce -- reduce the carbon footprint.

it continues to improve the systems. during this sen -- centennial year we reflect on the transit system. driven not

>> everyone deserves a bank account. in san francisco, anyone can have a bank account, things to an innovative program, bank on s.f. >> everyone is welcome, even if you are not a citizen or have bad credit to qualify for a bank account is simple.

just live or work in san francisco and have a form of id. >> we started bank on s.f. six years ago to reach out to folks in the city who do not have a bank account. we wanted to make sure they know they have options which should be more low-cost, more successful to them and using chat catchers. >> check cashing stores can be found all over the city, but they're convenient locations come with a hidden price. >> these are big. >> i remember coming in to collect -- charged a fee to collect a monogram. >> people who use check catchers, particularly those who use them to cash their paychecks all year long, they can pay hundreds, even a thousand dollars a year just in fees to get access to their pay. >> i do not have that kind of

money. >> i would not have to pay it if i had a bank account. >> bank accounts are essential. they keep your money saved and that helps save for the future. most banks require information that may limit its pool of qualified applicants. encouraging to turn to costly and unsafe check captures. >> i do not feel safe carrying the money order that i get home. >> without a bank account, you are more vulnerable to loss, robbery, or theft. thankfully, the program was designed to meet the needs of every kind, so qualifying for a bank account is no longer a problem. even if you have had problems with an account in the past, have never had an account, or are not a u.s. citizen, bank on s.f. makes it easy for you to have an account. >> many people do not have a

bank account because they might be in the check system, which means they had an account in the past but had problems managing it and it was closed. that gives them no option but to go to a cash -- check catcher for up to seven years. you want to give these people second chance. >> to find account best for you, follow these three easy steps. first, find a participating bank or credit union. call 211 or call one of our partner banks or credit unions and ask about the bank on s.f. account. both -- most bridges will have a sign in their window. second, ask about opening an account through bank on s.f.. a financial partner will guide you through this process and connect you with the account that is best for you. third, bring some form of identification. the california id, for an id, or your passport is fine. >> now you have open your account. simple? that is exactly why it was

designed. you can access your account online, set up direct deposit, and make transfers. it is a real bank account. >> it is very exciting. we see people opening up second accounts. a lot of these people never had account before. people who have problems with bank accounts, people without two ids, no minimum deposit. we are excited to have these people. >> it has been a great partnership with bank on s.f. because we are able to offer checking, savings, minimarkets, certificates, and loans to people who might not be about to get accounts anywhere else. even if you have had a previous account at another financial institutions, we can still open an account for you, so you do not need to go to a check cashing place, which may turn to two percent of your monthly income. >> you can enroll in free

educational services online. just as it -- visit sfsmartmoney.org. with services like financial education classes and one-on-one meetings with advisers, asset smart money network makes it easy for you to learn all you need to know about managing, saving, investing, and protecting your money. the network offers access to hundreds of financial aid programs. to help their eruptions, fill out the quick questionnaire, and you will be steered to the program you are looking for. >> who want to make sure everyone has the chance to manage their money successfully, keep their money safe, and avoid getting ripped off. >> it sounds very good. i think people should try that one. >> to find out more, visit sfsmartmoney.org or call 211 and ask about the bank on s.f.

program. >> now you can have a bank account. open one today.