Referring to the City of San Francisco. Usually used by Inland or Southern Californians or other non-Bay Area natives. Most Bay-Area residents refer to San Francisco simply as "the City".
The most annoying way possible to refer to the City of San Francisco. Even more annoying than calling itFrisco. Frisco is actually endearing by comparison.
That feeling you get when the fog is rushing into the City, the bay is blue and all the hodgepodge of the City's population is out and about. No judgments, no intolerance.