simplify transfer policy and people didn't have to think about which mode to choose since it is unlimentited. also the benefit for access pass is unlimited product to choose whichever direction they want to go to. the drawback is an agency restriction. this pant is only for s.f. muni and the ferry line to and from san francisco. some of the benefits for the transit pass is the flexibility that you can use this anywhere in bay area, any transit agencies, but the drawback is there is a limited amount so it is not unlimited travel. the benefit for flex cash is people can buy a retail product as they choose. and the drawback is it is not bidirectional since there is no retail product that includes east bay and san francisco so a user has to make a decision whether they want to travel most bi ly in san francisco or east bay. here is the initial recommendation. access pass for residents and worker and transit pass for visitors in year 2025. now i'll go a little bit more in detail of each of these two transit pass is unlimited travel on s.f. muni in year 2021, opening year, and at full build out wi