Yeah, the homeless are a real problem here, probably THE problem, really--between the weather here, the overly-lassiez-faire attitude that the city had in the past, and the fact that a lot of them are drug casualties that first came out here in the late 60s, you've got not just an off-the-charts amount of them, but a huge percentage seem to be either extremely mentally-damaged from substance abuse or well on their way. Combine that with the fact that there are a lot of tourists here, you tend to find a more aggressive-breed of panhandler, bum, and crackpot. I personally have never been stopped or aggressively-panhandled here, but I imagine it happens. I often find Market Street an embarrassment because of these guys, but the city's doing better, rousting congregations, making arrests, etc. Anyway, if I had caught you before you went, I could've told you to avoid the Wharf like the plague! Any Bay cruise or Alcatraz trip you're gonna go on will start there, but there's no reason to make the Wharf a destination in and of itself--it's just a tourist trap. As far as Chicago goes, we'll just have to agree to disagree--I will say that the only people who I tended to find out sniffed at Wisconsin or Milwaukee generally lived in awful suburbs like Schaumburg or whatever! And I did always hold that Illinoisians were indeed much worse drivers than they themselves believed--speeding, weaving, tailgating, etc. Really unsafe stuff. I think they're just attuned to a more aggressive driving-style in the city and don't properly adjust once they get out of town and into Wisconsin. Ech.