Final answer:
The cause of the delay according to the speaker is heavy traffic at this time of day.
Step-by-step explanation:
The speaker emphasized the prevalent issue of heavy traffic during this particular time of day, attributing it as the primary factor behind the delay. The mention of traffic near City Hall, a speeding ticket, and personal issues were explicitly dismissed, making it clear that the sheer volume of vehicles on the road was the key culprit. This highlights a broader systemic challenge rather than individual incidents, underscoring the pervasive nature of traffic-related delays during the specified time frame. The speaker's focus on this overarching concern reinforces the notion that addressing traffic congestion is paramount to mitigating delays in the given context.