Trek 520.
Looks like the 520 is the only model with most of the features I want. The quality and most of the features and the SIZE. I'm 5'1". That means about 47 or 48 cm frame. I need fenders, front and rear racks and bags for them. I have some of the lights but the big kick is the MONEY. I just don't seem to get the overtime or a large expense comes up. Our 39th anniversary is coming up so there goes the bags, racks, and etc. I think I will be a proud owner ordering my first non-Xmart bike the middle of July. When it is adjusted and paid for I'm promptly going to ride it like I stole it! Anyone in the center of the US have a 520 or better bike that wants to help out a sort of newby by selling me a used one at a better than new price? TIA and God Bless. Blues Frog