Persistent marine layer and strong onshore flow from the cool California Current are keeping San Francisco maxima well below the late-August climatological average near 70°F. Official NWS guidance and multiple models converge on a Monday high in the low-to-mid 60s under mostly cloudy skies, with west-southwest winds of 10–20 mph limiting afternoon warming. Trader consensus clusters tightly around the 64–69°F bins because small differences in marine-layer depth, stratus thinning timing, or wind gust strength can shift the peak by 2–4°F. A deeper or more persistent stratus deck favors the lower end of that range, while any earlier clearing or lighter flow would push readings toward 68–69°F. No significant model shifts have occurred in the past 48 hours, leaving resolution dependent on the final afternoon observations at the official SFO station.