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"Dizzying Defense (Ex): At 15th level, while wielding a light or one-handed piercing melee weapon in one hand, the swashbuckler can spend 1 panache point to take the fighting defensively action as a swift action instead of a standard action. When fighting defensively in this manner, the dodge bonus to AC gained from that action increases to +4, and the penalty to attack rolls is reduced to –2."
The fighting defensively action lets you make a melee attack at a -4 (or in this case, -2) bonus. Does that mean that the swashbuckler just gets a free stab as a swift action with this ability? And if so, what about her other actions? Could a swashbuckler make a full-attack action and then get her quick jab in, allowing her to add +4 to her AC and get a free attack without penalizing her full attack action?