Michael, thanks for the great info !
I figured someone in the store did some research to come up with that price but your right 50 bucks more for a new bike plus a warranty is a much better deal.
It's a bummer someone did the research their usual price for nicer bikes has always been 49.99.
Mean while I did some browsing around on this forum ( first time over here BTW) and started reading that monster thread on the Swift folder and damn that looks like a great bike.
I may have to rethink this folding bike fun towards a high performance model after all.
Thanks again!