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Swiss Pass vs Half Fare Card

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I am finding it very hard to choose between these two passes for my wife and myself. Based on my calculations, it seems the half fare card would be a slightly better value. However, is it correct that with the Swiss Pass we can proceed right to the train each time we travel? For the half fare card, we would need to buy tickets separately for every trip? Are these both correct? If so, the convenience of just being able to hop on and off the trains might be worth the difference in price for me. Can anyone clarify this?

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