Wow, Thanks for the response everyone!!! I have no idea what kind of riding I'll do. I suppose I'll try some of the local trails (lots of them in Minneapolis and suburbs). Some are paved and some are crushed rock. I just went to Consumer Reports, they like the Schwinn Midmoor for the money. Also checked about-bicycles.com, they like the Voyager GS by Schwinn better. Any thoughts on these? They fit my budget better, but, if they are not decent quality I will step up. I don't want a bike I will be sorry I bought.