I am pretty sure they weren't, having owned TWO '95s and I bought the first at Will Lindsay Cyclery here in Ontario, OR (black with red Classic Cruiser) before he sold to the next owner, who dropped Schwinn. This doesn't need to be like an episode of the Shadow radio program though...I'm not as much concerned with where they were built (I've read on one forum the Phantom replicas were custom built in California) as much as the fact that my current 1995 has been mostly rock-steady for 19 years (I had to replace both rims as I use it as my MULE and simply wore them out). I added peaked fenders from Hawthorne/J.C. Higgins, a Phantom tank it never had and green gliiter grips in place of the horrible black Schwinn approved ones that got my hands all blackened, a nine hole rear rack and very soon a mini cop-style windshield, 1930s Ford fender mounted headlamp assembly and Honda Aspencade saddlebags c. maybe 1983.

Germaine (my Schwinn, of course) will be a stylish lady when I'm done..VERY SOON.

And YES, I believe they are upward fillet-brazed, although I don't know much about that to know a meaning. The welds show and are not filled over or whatever.