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Good morning, Bay Area. Starting your Monday in the city, Moody’s Ratings has dropped its credit rating of San Francisco to “Aa1” from “Aaa,” citing high office vacancy rate, diminished commercial real estate values and sluggish post-pandemic economic recovery. We’ll have more on this later today. In transportation, Muni last week announced that the agency set a postpandemic ridership record with 521,000 average daily trips over September — its first time passing 500,000 average daily…

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