Ok, I've found the endless thread about hinges and frame bolts..including my claims I would never buy a Tern! It looks like I have the old two-bolt design so I'll keep a wrench to it. Fortunately I don't live on a giant hill anymore so I won't be doing any high-speed runs down it. This bike will get regular inspections - which all folders need anyway - and will see light duty as a flatland store runner.