At the stop near 8th, the driver gets on the mic and says, “Oops. You went too far.” When no one responds, he looks in his rearview mirror and tries again. “Wasn’t one of you looking for Union Gospel Mission?”

After another silence, several of us begin turning in our seats to see who he is talking to. In the process, our eyes scan the man sitting to my right, who has spent most of the short ride talking loudly on his cell about all the money he’s earned this year, and, in particular, this week.

“Don’t look at me,” he huffs. “I’m a certified public accountant.”