That's typically the first thought that crosses the mind of Erika, a 36-year-old attorney in New Jersey, when she commutes mid-day or runs an early-afternoon errand, only to find the sidewalks stuffed with people. Then comes the sobering realization: "I'm like, 'well, you're also not at work.'" The 3:44 pm express train she catches from New York City back to Jersey should be a fairly breezy, off-peak commute. Instead, she often finds herself shoulder to shoulder with other supposedly savvy