There are other options that you are missing. I'd be happy to find a way to share them with you but I don't feel comfortable posting it here (and it might not be allowed). I genuinely thought you knew about more than you seem to. (And no I was not thinking >$30 when I said that.) Interesting about the subway. I was just talking to a friend about how the move from tokens to the card reduced the cost significantly for those who ride regularly and a lot esp with transfers. But the fare increase is indeed about double the inflation increase. It was in the 60s that the fare went from 15 cents to 20. a 33% hike!