For Ginny Ferguson to arrive at her office in Chicago by 8:30 a.m., she needs to leave her south Naperville house by 6:45 a.m.
First, it's a 15-minute walk to the Pace stop closest to her home to catch the 7:03 a.m. bus. Then she hops the 7:41 a.m. Metra train from Naperville to Union Station before...