This is our summer. We get fog overnight, then it clears up during the day, then it comes back again. Occasionally, it looks really pretty, but it certainly lends credence to Mark Twain's alleged comment about summers in San Francisco being the coldest winter he can remember, or something like that.
Okay, this one wasn't taken from the 20th floor, but I found myself on Treasure Island at the golden hour the other day and I couldn't resist stopping for this. I love living here!