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The Transbay Joint Powers Authority Can Do Better By Maria Ayerdi Kaplan

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Photo by Photo by TJPA (Transbay Joint Powers Authority)
Salesforce Transit Center, or what I call “The House That Maria Ayerdi Kaplan built,” and that opened to much fanfare on August 12th of this year, has been closed since September 25th, when the Transbay Joint Powers Authority (TJPA) announced that fissures were discovered in one of the “steel beams in the ceiling of the third level Bus Deck on the eastern side of the Salesforce Transit Center near Fremont Street.”  
Rather than get to the bottom of the problem, it appears as if there’s an effort to avoid the truth.
I assert that there is an effort underway to avoid telling the absolute truth regarding what happened to cause those cracks in the pair of steel beams in the Transit Center, and to have Ms. Kaplan, a Latina executive who’s work was celebrated by the late San Francisco Mayor Ed Lees and Willie Brown, shoulder public blame for something that was not her fault.  
Shortly after that steel cracking discovery by the TJPA, and after the first inpection done with Webcor/Obayashi and structural engineers Thornton Tomasetti, another crack was found in an adjacent beam.
Instead of forming a commission to determine exactly how the problem started, and taking a wholistic look at  Salesforce Transit Center’s design, the steel cracking problem has ignited a process where only part of the whole universe of information is presented, and that portion points to documents and actions that took place in years up to 2016. 
Then, Webcor/Obayashi filed a lawsuit against the TJPA for $150 million, rather than call for any comprehensive look at what happened to the facility.  Instead, Webcor/Obayashi’s lawsuit tries to paint a picture of incompetence and mentions only the TJPA under its now former executive director  Maria Ayerdi Kaplan, while ignoring actions and documents done after her depature in July of 2016.   
What’s interesting, is the TJPA’s “dump” of information for the press appears to go along with what the  Webcor/Obayashi’s lawsuit is trying to say: few of the documents in the press and public files area focus on anything that happened in 2017 and don’t even mention the decisions of the “Cost Review Committee” , which was established August 24th of 2016 – after Kaplan’s retired from the TJPA.  Have a look at the files here, and look at the specific document date, not the date of upload of the files: 
HYPERLINK “https://transbaycenter.app.box.com/s/sfivpl21ii3h27ahbhmhd04uonq5nv5d”https://transbaycenter.app.box.com/s/sfivpl21ii3h27ahbhmhd04uonq5nv5d
And then look at the press release on the steel fissure announcement that came out on September 26th 2015-2018:  HYPERLINK “https://tjpa.org/uploads/2018/09/9.26.18-Press-Release-Temporary-Closure-of-Salesforce-Transit-Center-with-pics.pdf”https://tjpa.org/uploads/2018/09/9.26.18-Press-Release-Temporary-Closure-of-Salesforce-Transit-Center-with-pics.pdf
The press release includes a photo of the steel beam that was found to have a crack in it, just after installation and initial inspection, but that photo does not have a specific date on it, though it seems to match documents from 2015.  Then the same press release has a photos dated September 25th 2015-2018 of the beam with the fireproofing intact and then with it removed.   
Since the beam had no problems when it was initially inspected in 2015, why would the TJPA ignore any actions that may have caused the beams to crack after the facility was opened?  There’s a long span of time between 2015 and 2018 – but the documents don’t present complete information to match that span of time. Why?  
Exactly What Happened To Salesforce Transit Center On It’s Grand Opening Week?
The 1992 study “ HYPERLINK “http://www.dtic.mil/dtic/tr/fulltext/u2/a252821.pdf” Three Case Histories of Cracking Problems Associated with Steel Bridge Floor Beams” written by the University of Illinois Department of Transportation looks at examples of cracks that developed in steel beams of bridges and concludes that vehicle movement along the bridges caused the fissures, but that they “were not detremental to the structural integrity of the floor system” yet called for fixes to eliminate the problem.  
I point to that study because for all practical purposes Salesforce Transit Center is a kind of bridge for buses over six blocks of land, but on top of that bus ramp is a 5.4 acre park.  So, unlike most  bridges, which have one set of vibration forces to sustain from vehicles, the Transit Center has two: buses and people moving – walking around and at times dancing above it.  There’s not one document in the TJPA file dump that points to any analysis that was done of the impact of these types of loads on the structure that is Salesforce Transit Center.
In other words, did anyone bother to test how the strucure would behave with buses driving in, stopping, then going out, and thousands and thousands of people milling about on the roof, at the same time?  There’s nothing in the TJPA files to suggest that kind of comprehensive testing was done – the kind that calls for a type of mathmatical model of the Salesforce Transit Center as a whole to be put through a computer-simulated stress test.  
There are lists of tests of individual parts of the Transit Center that were done, but not one example of the kind of simulation I referred to, and can be done.  Does the TJPA have that information?  If so, they’ve not presented it or addressed its existence to date.  One should not have to ask for it, it should be part of the TJPA file dump the press and public are presented.  And for one reason: the impact of harmonic motion on bridge design.  
Harmonic Motion Is A Factor In Bridge Stress That Must Be Considered In The Transit Center
History is rich with examples of bridges failing due to harmonic motion caused by a number of factors, beyond cars and people, and including the wind and the earth itself.  A giant, multi-billion-dollar facility like  Salesforce Transit Center should have been the focus of large-scale structural simulations including the following forces: vehicles, people, wind, rain, and earth movement.  
The questions are was that kind of test done, and if so, when and where is it?  Right now, there’s no evidence such a process ever took place.  Instead, we have a sad effort to falsely incriminate the one person who’s hard work made  Salesforce Transit Center a reality in the first place.  The TJPA should make every effort to clear Maria Ayerdi Kaplan’s name, and not damage it. 
In closing, Ms. Ayerdi’s story is told in full at Oakland New Now <a href=”https://oaklandnewsnow.com/index.php/2018/08/26/maria-ayerdi-kaplan-developer-of-salesforce-transit-center-part-one-of-her-story/“>here</a>:

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Oakland Post: Week of March 18 – 24, 2026

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Oakland Post: Week of March 11 -17, 2026

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Women & Wealth: Tips for Navigating Your Lifelong Financial Journey

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Sponsored by J.P. Morgan Wealth Management

We are in the midst of a seismic shift in wealth. This phenomenon, often referred to as the “Great Wealth Transfer,” describes the unprecedented movement of assets from the Baby Boomer generation to their heirs – an estimated $105 trillion by 2048. And women are poised to inherit most of this.

J.P. Morgan Wealth Management’s 2025 Investor Study found that women are not only set to receive significant wealth – they’re actively working to build it on their own. Ninety-three percent of women surveyed who are expecting an inheritance aren’t relying on it to reach their goals.

Here are a few tips for women to consider in their wealth-building journey:

Create a financial roadmap

A detailed, well thought out plan is important. J.P. Morgan’s study found that 90% of those surveyed with a plan feel confident about reaching their financial goals, compared to 49% without one.

Your plan should reflect your unique goals, priorities and circumstances. Consider your investment horizon and risk tolerance, and remember to revisit your plan regularly as life evolves.

Are you saving up for goals like buying a house, sending your kids off to college or retiring early? Where do you want to be in the next five, ten or twenty years? Everyone’s financial situation is unique, so it’s important to think about these questions and build a plan that is unique to your life.

Women tend to live longer than men on average. Many take career breaks or care for family members, which can influence long-term planning. It’s important to adjust your strategy with these factors in mind.

Where to start with investing

Don’t let misconceptions hold you back. Starting to invest doesn’t require a large sum, and beginning early can be beneficial. The earlier you start, the more time your money has to potentially grow over the years. Understand your overall financial situation, set clear goals and develop a long-term plan.

It’s important to also make sure you’re covered for unexpected expenses that come up before you start to invest. Build up a cash emergency fund, typically enough to cover three to six months of expenses, and pay down any high-interest debt.

Taking charge of your finances

The good news is that women are taking charge of their finances. J.P. Morgan’s research found that 75% of women respondents make financial decisions with their partner or take the lead themselves. For those who have a spouse or partner, it’s important for each person in the relationship to play an active role in the process.

Building wealth can be empowering for many women. The same survey found that 73% of women respondents said money gives them “security,” while 64% of Gen Z and Millennial women associated it with “freedom.”

The power of having a team

Some people find it helpful to work with a financial advisor, so you don’t have to tackle things alone. An advisor can help you craft a plan tailored to your needs and keep you on track throughout your lifelong financial journey. If you expect to receive an inheritance, you should also consult with estate planning and tax professionals.

No matter where you are on your wealth-building path, education is key. It’s so important to be an informed investor, and there are plenty of resources out there to help. You can find a library of free educational resources at chase.com/theknow.

As the landscape of wealth continues to evolve, women have a unique opportunity to shape their financial futures and those of generations to come. By staying informed and planning ahead, women have the tools to help them confidently navigate the Great Wealth Transfer and set themselves up for financial freedom.

The views, opinions, estimates and strategies expressed herein constitutes the author’s judgment based on current market conditions and are subject to change without notice, and may differ from those expressed by other areas of J.P. Morgan. This information in no way constitutes J.P. Morgan Research and should not be treated as such. You should carefully consider your needs and objectives before making any decisions. For additional guidance on how this information should be applied to your situation, you should consult your advisor.  

JPMorgan Chase & Co., its affiliates, and employees do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transaction.  

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