1. A node for forwarding data traffic in a packet-switched access network, comprising: (a) a forwarding table specifying local addresses in the access network; (b) a policy filter for associating data traffic with one of a plurality of virtual networks that define one or more routes through the access network to a plurality of corresponding service networks; and (c) a packet processor that chooses destination-based routing for data traffic destined for local addresses specified in the forwarding table and, for data traffic destined for addresses not specified in the forwarding table, that executes a policy filter decision on the data traffic and maps the data traffic to a virtual network among the plurality of virtual networks for communication to a service network among the plurality of service networks.