Simplify the following text for a Grade 7 native English-speaking person.
Original: The loop includes the city 's two largest ( both above-ground ) stations : Flinders Street and Southern Cross ( formerly Spencer Street ) ; and three underground stations : Flagstaff , Melbourne Central ( formerly Museum ) and Parliament .
Simplified: Most of the stations are under the ground . The stations in the loop are Flinders Street Station , Southern Cross Station , Parliament , Melbourne Central and Flagstaff .