Here's my utility type bike. It started life as a Schwinn Impact mountain bike. I got it at a thrift store seven years ago, added some new tires, a new derailleur, different handle bars, chrome fenders, pedals, added lights, an Electra cruiser saddle.

A black chrome frame, I have two sets of rear racks, one with panniers, cause their light and used for hauling lighter stuff, I've rigged the rack with quick disconnects and when I'm going after something heavy I pull the pins and add the rear rack with the Wald collapsible baskets, and it only takes a couple of minutes to change them.

This is my first post, so hope it shows up.