Oh, FWIW I meet with the trainer in two weeks to start to do the baseline testing and then develop a program. He advises me that in the meantime he wants me to do 4-5 hrs/wk on a trainer at 50-75% max. HR. Currently I'm at the gym on the spin bike working to spinning videos for 40-50 min about 5 days/wk. My question, which I am about to pose to him, is what to use for a max. HR. I have found that if I program my video by age (mine being 68) I feel like I'm not really working. So, I've been programming at 55 or 60 but I'd really like to know what my max HR is. Using the standard 220-age formula leaves me at 114 bpm when working at 75%. When I am riding to a video I am always up to around 130 and not overly stressed by any means. So, I don't know what's real. Guess I better shoot out that email.