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San Francisco, the lovely City by the Bay, is generally a safe place to live, especially when compared to other cities of similar size. Homicides are about half of what they were a few years ago, and property crimes have continued to decline as well. With a booming tourist economy and resurgence in tech start-ups, it is no wonder that more and more people are leaving their hearts in San Francisco. However, what appears to be a completely positive picture at the aggregate level turns out....