The mini-chain Financier is a good reliable option for a quick lunch in the Financial District. I'm usually disappointed in the sandwiches, which sound great on the menu but end up being dry and a little bland (though still better than most sandwiches around here). My favorite option is the ratatouille and goat cheese tart. On a good day, the pastry is fresh and flaky, the ratatouille is chunky and garlicky, and the goat cheese crust is warmed all the way through. Sometimes the crust is a little stale, the ratatoille is lifeless and mushy, and the goat cheese is cold in the middle. On the good days, this is a crazy delicious lunch - what with that topping of a half-pound of warm, browned goat cheese, how could it not be? The atmosphere at Financier is much more charming than most of the dingy spots down here, with the black and white tiles, those cute woven bistro chairs, and a beautiful array of pastries. A good place to meet a friend for lunch, especially a friend who thinks your "Wall Street street food" project is really gross. The pastries are beautiful and are definitely good, created with care in the French tradition, a world away from the ubiquitious Starbucks variety. In this area, they win hands down - best place by far for an afternoon coffee and pastry. Compared to the wider world, I don't think they're winning any awards, but Financier is the best thing going down here.
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