You might live in Luton, take the train to London, then use the Underground to get to a job at Canary Wharf. Americans and Canadians apparently don't do this,

You might live in Luton, take the train to London, then use the Underground to get to a job at Canary Wharf. Americans and Canadians apparently don't do this, since the 'new' just-out-of-the-centre development has residential buildings near the station, unlike Canary Wharf where the nearest buildings to the station are offices. The suburban trains also run frequently and all day, so Brixton to Wembley is a reasonable journey by train. This would not be the case in the USA.