This was actually a long time exposure. (f8 @ 5 seconds). No tripod, but I did use a cable release with the SLR camera resting on a railing outside Pacific Coffee cafe. If anything, it's overexposed, not underexposed. More exposure would increase the contrast between black & white even more, & narrow the grey tones further. I took another shot of this an hour earlier, but it doesn't look as good to me.
I'll post it tommorrow, & you can judge for yourselves.