Addendum: At least 1 or 2 unhoused people will doubtless show up as bit parts; there's *no way* I could write a book about modern San Francisco without acknowledging their presence and making them visible. But I'm not yet sure where, when, or how they'll show up, and I haven't created them as characters yet. My MCs will certainly interact with a few. But as things stand right now, I don't have any of them built the way I do folks like that bus driver or tech billionaire.