The short version is that the top tube is pressed firmly against the pubic bone. I can stand flat-footed in the shoes in which I cycle and there is no pain, but there's no room either. Ideally, I should have a two-inch margin, 1.5-inches at the least. I have only the good luck of no emergency stops, no fumbling for balance and no doctor wanting to put me in the home.

Any, all suggestions will be greatly appreciated. Because of several factors, a new bike is almost out of the question and I love this old Trek 720 and don't want to trade or otherwise give it up. I guess the question boils down to do I want to risk injury. Otherwise, the bike fits well, proper leg extension, etc. I am trying to keep all things on it original, that's why I keep the 27-inch wheels. Even the tires more than 25 years old are original, still hold air, casing not collapsed. Of course, I don't do 50 mph downhills either. I am a gifted, genetic coward.