I think I can help a bit. I've taken the 94, a two-zone bus, end-to-end a few times getting from school back home. If you have a transpass, you can just swipe it and sit back; if you get lucky, you don't even have to worry about that extra charge...
If you don't, you'd better have a couple of quarters to pony up. It's $.50 exact change, which means if you use paper you'll get screwed, because the operator won't make change (tried that, too).
The buses have a fuzzy gray area between the zones, too; if a bus breaks down and you have to wait, you can simply reswipe your transpass--problem solved. I did that once when the 94 broke down in Ambler (one zone from either end)--got off, ran to the library, dropped off a book, and got back on. That's unusual, though.
By the way, as far as Regional Rail zones are concerned, they're calculated by distance to Center City. With the exception of the R1, where SEPTA tries to bilk commuters (the fare's always Zone 5 Peak), if a stop falls within the certain distance SEPTA decided to zone so-and-so, then that stop will be zone so-and-so. There's a map in the R1 timetable.
The only way I can think of as to how they zone buses is route distance. A long suburban route gets multiple zones; by the way, in my experience, no single city route is zoned; there is, however, no route that runs all the way from Franklin Mills to Center City, much less the Sports Complex (somebody correct me if I'm wrong) so there exists a de facto second zone in the Great Northeast.
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Warning though...they don't like "ethnics" in those parts, and being from South Philly, you'd definitely qualify as an "ethnic") doesn't take away the state-by-state numbers.
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There are new treatment options for people suffering from SERD and they should be discussed with your doctor. Some of these treatments have certain sexual side effects. If you experience an erection which lasts longer than four hours while stuck in traffic on the Schuylkill consult your doctor.
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