My primary shop will let anything out for an extended test ride. They simply swipe your credit card first; if they never see the bike again, they just charge you for it (I assume).
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Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --
the tiniest sprinter