Update
I was able to adjust the seat and handlebars to a position comfortable for me, bars a bit higher than seat. My balance was so bad because the seat and bars were way to low. In response to not having a helmut, I gave mine to my grandson when I moved. I was averaging about 20 miles a day on my Giant when I moved and needed something smaller. I have folded and unfolded my bike several times, and can do both in about 15 seconds. I have been stopped several times by people asking me about the bike, and they are amazed there is such a thing as a folding bike. I am very happy with my Citizen Toyko, and this 63 yr. old grandma keeps up with the best! Thank you all for your suggestions and support.