Riding through town last night I had a thought about the crusader. Near the top of the left chain stay there is a tab welded on, color matching so I'm pretty sure it came with the bike. The tab looked familiar, but I couldn't place it and thought it might be for the wheel lock since it was next to the wheel lock. But while riding my torker graduate with SA hub and drum brakes I realized the tab is the exact same one used for the rear brake on on my Graduate. I am starting to think the crusader may have originally been built with a different hub rear brake.